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HomeMy WebLinkAbout08-19-1115056117143 REV-'1500 EX (D, -1 D) OFFICIAL USE ONLY PA Department of Revenue pennsylvania County Code Year File Number Bureau of Individual Taxes ~vnaTbwroenEVCNUe Po Box.2aosol INHERITANCE TAX RETURN 21 11 0232 Harrisburg, PA 17128-0501 RESIDENT DECEDENT ENTER DECEDENT INFORMIATION BELOW Social Security Number Date of Death Date of Birth 207 05 2845 02 03 2411 01 14 1916 Decedent's Last Name Suffix Decedent's First Name Ml SPERAW RUTH L (If Applicable} Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Socia! Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL [N APPROPRIATE OVALS BELOW 1. Original Return ~ 2. Supplemental Return ~ 3. Remainder Return (date of death prior to 12-t 3-82) 4. Limited Estate ~ 4a_ Future Interest Compromise ~ 5. Federal Estate Tax F2eturn Required (date ~ death otter 12-12-82) (i Decedent Died 7es[ate (Attach Copy of Will) ~ T Decedent r~Aairr~~yamed)a ljving Trust ~' B, Total Number or Safe Deposit Boxes (Attach Copy of Trust 9. Litigation Proceeds Received ~ 1D. Spaual Povert~CredR idate of death ~ 11, Election to tax under Sec. 9113(A) between 12-31- 1 and T-1 -95) (Attach SCh. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHIOULD BE DIF2ECTED TO: Name Daytime Telephone Number JAMES D BOGAR 717 7 3 7 8 7' 61 First line of address ONE WEST MAIN STREET Second line of address City orPost Office State ZlP Code SHTREMANSTOWN PA REGISTER OF WIL>?.S USE ONLY`` r(7 - - r=r=- -:~ rrr --.-_ ",~ 4...o-..) :i ,:; DATE F _;~~ "-~ t~ i '1"l -r-l ~ ~ i i -; -__J -: '{= - • T `-r~ :_~ ._r i Correspondent's a-mail address: Jbogar@bogarlaw.com Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and sfatements, and to the best of my knowledge and belief, It is true, coned and complete. DeGaration of preparer other than the personal representative Is based on all information of which preparer ha:; any knowledge. (,. Kathy S. Chaney 'i~r'/ ~'f ~l ADDRE 1 erkshire P ace Charleston WV 25314 - NATU E DF PREP/nt THER T N REPRESENTATIVE DATE 1/V/// //~J James D. Bogor ~ ~ I tr, ~ ~ ADDRE S One West Main Stre ,Shiremanstown, PA Side 1 1505610143 1505618143 REV-1500 EX Decedent's Name: SperaW, Ruth L. Decedent's Social Security Number 207 05 2845 RECAPITULATION 158,000.00 1. Real Estate (Schedule A) ...................................................................................... . 1. 2. Stocks and Bonds (Schedule B) ........................................................................... .. 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C)........ . 3. 4. Mortgages & Notes Receivable (Schedule D) ....................................................... . 4. 7,509.26 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) .............. . 5. 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested............ 6. 9 9 , 64 9.81 7. Inter-Vivos Transfers & Miscellaneous f~ .on; Probate Property (Schedule G) ~J Separate Billing Requested............ 7. 8. Total Gross Assets (total Lines 1-7) .................................................................... . g. 2 65 ,15 9 . 0 7 38,109.05 9. Funeral Expenses & Administrative Costs (Schedule H) ....................................... 9. 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) .............................. 10. 11. Total Deductions (total Lines 9 & 10) ................................................................... 11. 38,109.05 12. Net Value of Estate (Line 8 minus Line 11) .......................................................... 12. 227,050.02 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) ............................................... 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) .............................................. . 14. 227,050.02 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 15 0.00 (a)(1.2) X .00 . 16. Amount of Line 14 taxable 227 050.02 16. 1.0 217 .25 ~ at lineal rate X .045 ~ 17. Amount of Line 14 taxable 0 00 17 0 00 . at sibling rate X .12 . . 18. Amount of Line 14 taxable 0 0 0 18 0. 0 0 . at collateral rate X .15 . 19. Tax Due ........................ ......................................................................................... 19. . 1.0 , 217 .25 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. Side 2 1505610243 1505610243 ],5056],0243 REV-1500 EX Page 3 Decedent's Complete Address: File Number 21-11-0232 DECEDENT'S NAME Speraw, Ruth L. STREET ADDRESS 504 Alison Avenue CITY Mechanicsburg STATE PA ZIP 17055 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) (1) 2. Credits/Payments A. Prior Payments 9,652.95 B. Discount 508.05 Total Credits (A + B) (2) 3. Interest (3) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. (4) Check box on Page 2 Line 20 to request a refund 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 10,217.25 10,161.00 56.25 Make Check Pa able to: REGISTER OF WILLS AGENT. ~. ~t;t fit:. ~ si , i t . S ~, w,la yam} ~~~~y~~"p-,- PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRI~ITE BLOCKS 1. Did decedent make a transfer and: 'Yes No a. retain the use or income of the property transferred :............................................................................... [_~ b. retain the right to designate who shall use the property transferred or its income :.................................. c. retain a reversionary interest; or ............................................................................................................... ^ ^x d. receive the promise for life of either payments, benefits or care? ............................................................ ~__] ^x 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without r~11 receiving adequate consideration? .................................................................................................................... Cl 0 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?....... L~ Ox 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which _ contains a beneficiary designation? .................................................................................................................. ~~ ^x IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. 7,ca .; t ,t ,y~, - - ~y - - ,~ ..:;.u y;~~'~e ~': "u _~ ?! ~~x:::tf .r ~3~'.,4~ti:"~r ~3 ~~t~.-'N~:'~ .,,1~ `~Ki>r~~t ~t,~':~ L~ r~'.r ~~~,f,.~...~_ j.;4_a"a 2'"R'990d'r1~i'FF~'IDL"..~,~;:. For dates of death on or after July 1, 1994 and before Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use: of a natural parent, an adoptive parent, or a stepparent of the child is 0 percent (72 P.S. §9116 (a) (1.2)]. . The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent, except: as noted in 72 P.S. §9116 1.2) [72 P.S. §9116 (a) (1)]. . The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent [72 P.S. §9116 (a) (1.3)]. A sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. 48500041046 REV-485 EX (1-07) SAFE DEPOSIT'~~~A BOX INVENTORY PA Department of Revenue _ PLEASE 115E ORIGINAL FORM ONLY Social Security or Death Certifcate Number Date of Death County Code Year File Number 2 07 0 5 28 45 0 203 20 1l 21 1l; 023 2' ,r, .:, .~ ,., M~ Decedent's Last Name Suffix First Name S per a.w ,_ R u t h - ADDRESS OF DECEDENT STREET: CITY: STATE: ZIP CODE: _ _ . _ Mar-han i csburc~ PA 17055 NAME AND ADDRESS OF PERSON REQUESTING THE OPENING OF THE SAFE DEPOSIT BOX NAME: _ Ja_nes__D_ Bomar, _Es~uire _-- --------- ----- STREETADDRESS: CITY: STATE: ZIP CODE: One West Main Street Shiremanstown PA ___ 17011 NAME, ADDRESS AND RELATIONSHIP (IF ANY) TO DECEDENT, OF PERSON(S) PRESENT AT THE BOX OPENING - a. NAME: James D_ Bogar, Esquire ' ~ - -- None _--- -__ _-- - CITY: STATE: ZIP CODE: STREET ADDRESS: One West Main Street _ Shy ~__a_nstawn ____PA _._ _~.ZOll_- RELATIONSHIP: b. NAME: Lauren E. Bogar, Esquire None __ _-- ' CITY: STATE: ZIP CODE: STREET ADDRESS ' Street W t M S1-~irr~rrtanstown PA 17011 , a One es _ in c. NAME: RELATIONSHIP: Kathy S. Chaney Daughter - STREET ADDRESS: CITY: 1613 Berkshire Place Charleston NAME AND ADDRESS OF FINANCIAL INSTITUTION WHERE THE SAFE DEPOSIT BOX IS LOCATED NAME: M&T Bank - STATE: ZIP CODE: WV 25314 STREET ADDRESS: CITY: STATE: ZIP CODs: 5219 Simpson Ferry Road Mechanics PA - 17055 G . NAME OF PERSON MAKING LAST ENTRY DATE AND TIME OF LAST ENTRY +, DATE OF CONTRACT RENT BOX ° NUMBER g~ BOX t TITLE UNf?ER WHICH BOX IS REGISTERED g `~ tz S i ~ ~-~ 19O Ruth ~.; SPeraw -- e i NAME AND ADDRESS OF PERSON(S) HAVING ACCESS TO BOX ___ a. NAME: b. NAME: STREETADDRESS: STREET ADDRESS: CITY: STATE: ZIP CODE:, -CITY: STATE: ZIP CODE: NAME AND TITLE OF EMP1L;OYEE T KIN THE INVENT RY WAS A WILL IN THE BOX? ^ YES i~ If yes, a. ate of will _ b. Name and address of personal representative, if named in the wilt NAME: " STREET ADDRESS: CITY: STATE: ZIP CODE: c. name ana aaaiess u, a~wu,~y, „ a~~y NAME: STREET ADDRESS: CITY: STATE: ZIP CODE: 485~Op41,p46 48500047,046 {~ Pa9E----- of ------ REV-485EX ~~~~ ®~• ®~~~ ~®~ ~~~~~~ - 1 I(VSfRl~CTiONS - ----- (11 Cash: Reoort total only (2) (3) (4) (5) (6) (7j (8) (9) Stocks: List in detail every common or preferred certificate, warrant or other rights found in box. Stocks are to be daslgnatea oy name of company, certificate number, date of certificate, name in which stock is registered, and number of shares and class of stock. Obligations of U.S. Government: Number of items, date of issue, face value, names in which registered and typE~ of ownership, i.e., jointly held, payable on death, etc. Bonds: Designate by name, amount, serial number, or other designation. (Bearer Bonds) Bank and Savings and Loan Passbooks: State name of depositor, number of book, last date appearing in book, name of bank and branch, and balance. Jewelry, Coins, Stamps, Manuscripts, etc: List and describe as fully as possible. Deeds, Mortgages, Current Insurance Policies or other evidences of indebtedness: List and describe as fully as possible. All other contents. Return completed form to: DEPARTMENT OF REVENUE INHERITANCE TAX DIVISION PO BOX 280601 HARRISBURG, PA 17128-0601 ITEM NO- ITEM DESCRIPTION -- - ---- -- t `~ - - ~j'p L.;. f k ~ ~ ~ll~t~t i~cy~-Ccccz~ , G Gtuk~ Ltc ~ ~~C(~-C~ ~ ~ ~ t,~.9 ~ ~ ~- l 1. ' - - t~~~c~~t~2ue~~~-- ac~c~~'r-~3 C~ )C-e ~ - - --- I CERTIFY UNDER PENALTY OF PERJURY THAT THE ABOVE RECOP.D IS CORRECT COMPLETE TO THE BEST OF MY KNOWLEDGE AND BELIEF. PERSON RECEIVING COPY OF SAFE DEPOSIT BOX INVENTORY: __ 1 SIG NATU ~ PRINT NAME PRINT TITLE ~~ ` " _ _ DATE ~~ `~ " ' `c'/"~ ~ 3 (I ~ ~ ~ C~~L i- - S'~L'~,¢,{,Y SIGN E ~~\)l PRINT AME A C ECK APPROPRIATE BOX BELO CHECKAPPR PRIATE BOX: ~ Executor(trix) ^ Administrator(trix) ~ Estate Representative ~ Joint owner of sale deposit box- - - NOTE: Attach additional 8'/z" x 11" sheet(s) if necessary or use duplicates of this page of torm. The Department is authorized by law, 42 U.S.C. §405 (c)(2)(Cj(i), to require disclosure of Social Security numbers in connection with administering state tax laws. The Department uses the Social Security number to identify the decedent antl personal representatives of the estate. The Commonwealth may also use the information in exchange of tax information agreemen~' with Federal and local taxing authorities. The state law prohibits the Commonwealth's personnel from disclosing confidential tax information except for official purposes. Rev-1502 EX+ (11-08) SCHEDULE A REAL ESTATE COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Speraw, Ruth L. 21-11-0232 All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property ~,vould tie exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Real property which is jointly-owned with right of survivorship must be disclosed on schedule F. Attach a copy of the settlement sheet if the property has been sold Include a copy of the deed showing decedent's interest if owned as tenant in common. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Real Estate -All that certain piece or parcel of land having thereon erected a dwelling house ' 158,000.00 being known and numbered as 504 Alison Avenue, Mechanicsburg, Pennsylvania 17055. The property was acquired by Edward L. Speraw and Ruth L. Speraw, his wife, by deed dated~~ October 28, 1970 and recorded November 2, 1970 in the Cumberland County Recorder of Deeds Office in Deed Book W, Vol. 23, Page 119. A copy of said deed is attached hereto and ', incorporated herein. The said Edward V. Speraw died December 18, 1988. whereupon full and complete title to this real property became soley vested in Ruth L. Speraw, surviving spouse, the Decedent herein. The property was sold pursuant to an Agreement of Sale for Real Estate dated March 22, 2011, a copy of which is attached hereto and incorporated herein. Settlement took place on May 3, 2011. Copies of the Settlement Statement and the deed transferring this real estate are attached hereto and incorporated herein. The sale price of the real estate was $158,000.00. TOTAL (Also enter on Line 1, Recapitulation) ~ 158,000.00 (If more space is needed, additional pages of the same size) Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Srhedule A (Rev. 11-''"' -~ ...._ c; ., •, ,• ~ • 1~r/ nwiL 7w..~L~ ap.s 7urm. A,t .! 1101. - . r '`~ ~(~-~ in the year bfADE THE ~ Y day °J of our Lord one thousand nine hundred and seventy (1970 ) BETWEEN WILLIAM A. KNAiiB and BETTY L. KNAUB, his wife, of the City of Harrisburg, County of Dauphin and State of Pennsylvania, • Grantors , and EDWARD V. SPERAW and RVIII L. SPERAW, his rife, of~the City of Harrisburg, County of Dauphin and.State of •Pennsylvania, • .. Gmntce s iV•1TNESSETX, that_in cansideratioa~_of --Five Thousand-___-_-$5,000.00) Dollars, in hmld paid, tko receipt auhcreof is hereby aeknowtedged, the said pmntor s do hereby g'ranL and convey to the said prances s, ALL that~certain~piece or parcel of Iand situate in the Borough ' of Mechanicsburg, County of Cumberland and State of Pennsylvania, bounded and described as' follot~s, to wise BEGINNING at a point on the southern line of Alison Avenue., said point being at the dividing line between Lots Nos. 221.and 222 on the hereinafter mentioned Plan of Lotsi Chence along said •dividing line South 25 degrees 09 minutes East; one hundred ten f110) feet to.a points thence South 64 degrees 51 .minutes West, eighty-five (85) feet to a.•point at the dividing line between Lote Nos. 222 and 223 on said~plaitt thence along said dividing line North • 25 degrees 09 minutes West, one hundred ten (110) feet to a point on the southern line 'of Alison Avenue} thence.continuing along the southern Line of Alison Avenue North 64 degrees 51 minutes East, eighty-five (85) feet~to a point, the place of BEGINNING. BEING Lot No. 222 on Plan No. 3., Plot "B" of Heritage Acres, said plan being recorded in the Cumberland County Recorder's Office in Plan Book i6, Page 68. • BEING part of the same premises which Elizabeth G. Shelley et a1., by deed dated December 9•,.1967 and recorded in the Cumberland County Recorder's Office in Deed. Book "P", Volume 22, Page 574, granted and ~ conveyed unto William A. Knaub, one of the gr<~ntors herein, and also being part of the same premises which Elizabeth G. Shelley et aL , by deed dated August 29, 1969 and recorded in the Cumberland County Recorder's Office in Deed Book "S", Volume 23, Page 634,.granted and conveyed unto William A. Xnaub, orie of the grantors herein.- .~, u~^Cu ~~C~ ar:~~l~, . ~ ~VJG R„I E,fde Tned/,.1/r Lr • ~u.1;b, Q• Did. GI. ~, S - school Dist. Cumb, Co., Ps. I % R,.} 61e1. Tr•n.hr Tax ~ n_ 'n~n6, Ce. Disf. Crl, Aet. f}~ BQOKW~~PACE j.~~ 'g-~, AND the acid grantor s hereby eouenanf and agree that they will warrant GENERALLY the property hereby conveyed. i IN WITNESS WHEREOF, said grantors lavehereuxfo act their hand aid seal the day and ye¢r first above toritten. • ~ipnrD, &rakD ^nD ~rlfuertD L/J~~ak=x+"•+c.Frl'Y~ t, r an~i.x. ra t}le ~7rarorr of William A. ICnanb ~ C1 D eswL .~?(~ ~ i6,aGr ._._ _ as i . Bet y L. Itnaub ' ~~ ,..._,....,. BmAL f . 1 6erob! a~P that t1» lte.id.nea IWd pod 0!$ce of .witbim Crrenloe M Grantta a A i.: ' 1.. li i; t!b State of Pennsylvania ad. Counlg of Cumberland On this, the a~ff x!~ day of C9c~o-~en~ , typo ,before ma„ the undersigned o~lcer, personally appeared William A. Knaub and Betty L. Knaub, • _, his wife, known to me (or satisfactorily proven) to be the person 6 whosename a are subscribed to the within instrument, and aelcreowledDed that they executed the same for the purposes; Ehr'r~ilt. ; contained. ' { ~ ` ` + , ' ~ ' • "IIJ WITNESS WHEREOF, 1 hereunto set my hand ¢nd o~cial seal. :'~ ~; ' ~"''~'•`+'+ . MY.&c N1lU55iun.fxpuzs-July--1R-[&3~ --•-•• ..L ,•~X.~..-y.--1•i(.il .;~~~ Shiiemanstorrn, Pa. Gum6erland County Title o~,~U,~cerr,,,..••'~~C -' '~y~ !~ Y ti'l ~. i u.,.. BDC!(~Z~PAGE x.20 ~ Received: Mar 24 2011 03~46pm 03/24/2011 THU 14:45 FAX irc3380i 002!021 ~~'ANI~ARF~ A~REENfENT ~C3E~:TH~ 5~4~:~C ~3~' R!`~L EST~'Y'E Thislormrecommendedandapprovedfor,6utnotsestrictedtouseb}•,merilhersofYSePcnnsylvaniaAssotiaclonofRcALTORS°(PAI??, ~~~ f PARTIES _~~ t3iJ1' (Sk Steven F. Rowe SELLERS}" ftuthl,Speravr. BUYS 'SMAFLINGADDRESS: SELLER'SF1tAli.tTfGADDRESS: PAQPEfiTY -- PtiOP RTY ADDRESS: 504 Alison Avenue Mechanl[sBurg _ Zip 57055 ` in th _ mvnicpalityof Methaoicsburg Borough , County of Cumfseriand in th Sthool Distr(ctof Methanicsburg ,lntheGdrsamontveai~h of Pennrylvania. fdenfi ~icatlon (e.g.Taz lD n; Parcel k; Lot, 8l0[4=,• Dee6•Boo1G Page, Recording Elate}: 172a078910D ^__ SUYER'5 RELA?70C+fSHIP (R1TN PA LICENSED BROKER ~] o8usinessRefatlanship(Buyerisnatrepresented.bya8roker} Brok :(Company) CcldwelfSankerNGSP L+c_ensce(s`r(Name} j3tnpriar,3r: 1 Corn i 1 anyAi3dress 4075Market5treet E DirectPhone(s} ^^ Camp Kill, PA 17017 ~ Ceii Phones} 7i7-712-2465 Lom anyPhone 7t7-763-75D0 c~ 1 1 7 901-0488 ~ [om any Fax 717.90t-OS86 ;:mill Jpriar@ceniraipz:com i ~ Brox Is: Liceasee(s31s: uyerAgent(3tckerrepresentsBUyeronty} Q BuyerAgentwithDesignated/+ge~cy [j t i3u erA entw)thoutDesl nated'A ~ i uaiP.genttSeeDuaiand/orpesigratedRgent6cxbzfowj ~ © Y 4.. 8 9°~ ~' j [~ DuelAnent(SeeDUatard/ort2esignatedAgentboxbelow} L ^ Transaction Licensee(8rakerandLicensee{s) provide real estate services butdo not repmserst Buyer} ~~y` ~ SELLER'5 AEI.R'f10NSf{iP SYt7Ft pA LiCENSFI7 BROY.ER 1 (~ oBusSnessRe(atforship(SetierisnazrepresentedbyaBro&erj j ..~~.__y Brok r (Company) I;qC vYalker Beatty i Licensee(s} (P3ame} Mark tNalker j Coml any Address 14 h!,tiValnut5ireet f Dhect Phone(s) 1J~echanicsburg, PA 77055 Cei(Phone(s} 777-439.6145 __~,,_, Ccm any Phone y17.bc7-0487 raz ~~~ Com any Fax Email markwalker@pa.net __... ~ $rok ; is: U[enS88(sj (5: I [~.SellerAgentFVithDesignatedAger?[y ;] el!er7+gent(8roketrepresents5ekieroniy}_ L'1 ua)Agent(SceDoaland/or Designated Agent boxbeio+v} [] Se;IerAgentwithoutDesigna{edAgency r pua! Agent (See Duai and;orDeslgnated Agent box Below} l Transactor, Licensee (Broker and licensee(s) pr ovide real estate serolces but do noYreptesentbeller] 1 I r---- DUAf: ANDIDA DESICsNAT'cl]AGENCY :,Bro ris~DnafAgentwhenaBrokermpresentsbathSuyerandSeller!ntitr=sametransattfon,ALicensee!saDU~lAgenTtvhenal.icenseesepYasentsE~uyerand ; Selie~ lrrthesametransaction.Atiof6rflker'sfitensQesareaiso'JualAgenisUNLESSthereasesepaYateDesignatedAgentsfon3uyerand5etler.lf2nesameLlcenseels desig nated for$uyerand 5el!er, the Licens^_e fs actual Agenc, {' 6ysig ningthisAgreementrBuyerand5e)ierea[hacknewledg¢ha~ingbeenprevlausiytnformedof,aridconsentedYo,duaFagoncy,ifapp.kabte^ I Buyer~nltlais:{'"~t~~-- ! i } ASR Page ; oF. t 1 Seller lnula!s: • l/ 1,-_____,__ Re+fised's(?0' COPYP,IGHTPE~tih1SYLVAhIAA55DCEATIOivO=Ri:ALTORS'2010 I/?0 ~eretved g3124PZ~~:l. T9t7 X~__.~5" pxx ire33$.O.. I~r 2~~20ii 03d5R~e, ~443~ 42~. ~• t 7 2: ~.: . ~.. ~, ~~ . .~. ~- '8 9;. 'lI3: '4[; . "7Z: ' 13. ,. 'Y:4. 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'33:° tom: .. .. ~ ~ - ... 36; [~1 FaymeitFb SrarsSfes;taxesVtlll tiivl~2qubi{y,+reetsBuyei ... 5eRetuntessbthe;viis~st~ . 71?fe" :.~. . 3~ . ......... 38 t~3 P~sssesslonlsto edeTfi'~~+etf~yde~d.eXtsBngkeys:. ~hysi Pv~ssio{~toaYacant~ccFeK'l_itetoFd; nr,~xhsHStzvr,~ref, 35. ~ `vrusmx[eanp4d~yan¢ttrri!:oEse#ftraesitrutrlerx,Sa1ler 6efotrs~t[ng#hEsAgree[~~tiL~taWdepi'dfedlnurrdingzirariE:eFraperiy %~t] ssi~arlta3~ease. ~ - ~i ~~ iESett~.tia~i3efStc~s~dhiwlff~n~~arttt~P.n?(ie[ti!is•sif7)eGt-Wa'le8se~'ISassess`totststR~3?d4Uvert~.bytfe¢i~,i?usf5~ttays~nd :yz.. asslgtpfsenegfvistsryglfarttsep[vp~rryi#cg~t~'nr3t#seci~ydeposdirart3sn~est~..TF$tzjr,atde~yaridt}tneo~'s~~"eDer r#3 ~ ~tfnoieiii~rintoarty#wtt:ases nor€ztex~esastnSg.Tease#,'i?rtlt~~mmPe'rf7i~Ylttswatthexm'tt~~consentc~~yef B..Yrawtfl ~~ ~ ~ aelusoyAedg~exi3tin~[ease(s}'bYinlttating'3~ietease(s)artlserxeaiNon:nft}si3ggteemetTC~un~essbittenvlse.sYazeclln:h,sRyi~nep~~ ?4~ •: j~rTeisnritrQrzupf PrtspBrtpAddcptturss(~AR~acfsi'~bP}tsaKacbi~#.. s', ~A'txsart~;~fsctr~'~ge~4t 7pJ:: " .~j tAS Wn;rejtiacca~tanSSOfatfp~ttlQs~YHSbeortnrbef'are: 31a6/7ti i~ • . .. ,-~ . 'Q8 . (By' '{IteSculemeslT}]atearsdaK'.otli~daties:p~iatttnessdrxs i fdrtha~tfolR7ancca .anyo theab~gat~an5n~~hfsAyraemetstaic..: ,~ :.}~ afiisgessencedndarets~dln$:: 3D G} ~~7CecufionDazsii€tlxsAgsa~meatGsS[ieda~~ie;irr~pd.SeNshh+i~indic~t~d~isTEa~:ptatxeQC~i~S.i~Agreerr;;e~it~iY~9~?? .~i. ancNiiiG~t~afln~R:Forpcxposcsa~i3~LsA9re~?st;~?tj2,l~~uinb,~6fdaysatir~ttie~unctiditQmtt~e#'~ccticdn,~ate~ticiii~ia4...•. 52 tfiEdaYiitisAgreemenue%ecr:tttt~tlt~jritiudhig±fJsetnsttiyjri#'t3set(tiiepetipd-A.li;~s~rS9rsti3#It:,.AgrcE=nratfsRot{tsfbe '~3 initia#~daaddatesi. . , ...... . ;54. (D) 3iie.5azdetrientoatet~natExtertdedhynhyathcrptayhlcn:cFft~sJ~srcer~enrandmaY~nh'beeaetaded~ayYxsatuatvtriYen Ss nSreSn~thepr!"t#1es. 55 •{Ek. t'xstHUStennsaCxftlinepeY[ads2rept~prtrSSed3'nctxs.:Agr4e~Rtastont~er?i~n~s`3o`ihaBttyerahdSelierk4Sprz~pctnze~fteuns :~j` andffttse`}~2ttodsmienego#iabTeatl~tiCap.,4~cFt3t3gcdEsjist[ifdnytuilhepre-pti»tedtexc~ad3iss~rifrr9d,i~'eres~r~ermiacczpEal~te 5~ To'au.P?fTi'.s. - 96taton jexce~cTn cases Whe3Q the prOpdtLY ~+csd Cet7~ par~c5 ttsercaP ;IFsvba~idable:7 iiai~;tgs)vnlirericJerdt~"?t+Sreemtirptiro~~Tab(aatstiyerisoprton, anus TF"voided, ~±'~y.. se ~uperwhboutanyrequlcrsnt:ntlor.~austac~ri' 1 r ~~ .54 4uyerlca~atx ~'1:•.Y. f A~ftPa~e2.otf~ lietire~:}(f4: ae1(ertnf[~Is: '.~_._.,., Received: Mar 24 2011 03=47pm 03/24/2011 TAB 14:45 FAX irc3380i 4004/Q2i 65 66 68 69 70 71 7z 73 74 lb 77 78 79 so 81 82 83 84 85 86 87 88 II9 sa 41 92 93 9k 95 96 97 98 B9 700 10t lox 103- 704 1G5 146 707 1os 109 1t0 111 112 '113 174 1fS 116 177 718 719 120 121 122 723 124 1zs 126 127 124 729 130 131 F I XTUEtES AND PcR50NAi PRO PERT'Y (1-7 0) (A) tNCLUOED in this sale are alt existing items permanently installed in the.Propery, free of liens, and other items including piuinbing; heating; radiator Fovers; lighting fixtures (including chandeltecs and ceilingfans); gaol and.spa equipment {including co~~e.rs and cleaning equipment); e{ectdcanirnaT fenetn.g'systeltms.(exclud'sng Golfers};garage door openers and transmitters; teievislprE antennas; unpo:tad shrubbery, ptanting~and Creel; anyremain!ng~lteating and cooking fsiels storzd on the Property.at the time of seYt[ement. smoke detectors and carbon nwnoxtde ciEtectors; sumppumps; storage sheds; fences; mailboxes; waitto wall carpedtig; existing window screens, storm windows and screen/storm ciools; window covering haFdware, shades a nd.b)inds; avrntngs;buit-lr, air conditla.ners; built-in appliances the rangefaYen, ur7(ess oti7etwise stated; and, if owned, water treatment systems, prapanetanks, sate]lite dishes'and security systems, Afso indud,ed: -- (B1 She Fallowing items are LEAS>:D (not owned bySeller), Cantactil,e provtderhendorfor morein;ormation (e:g. water treatment systems, propane tanks, satellite dlsEles and security systems): ------- (C} i;XCLUOCrDfxturesand'items; -- N1(}R7GAG~ CONTt1~CsE11CY (1-1 b) © ~WAiVED. This sale is NOT contingent on mortgage ftnanc'sng,aithough 8uyer theyobtain rnortgacda financing and/orthe parties may iacfude-an appraisal Contingency. ELECTED (A} This sale is-cdritingent upon Buyer obtaining mortgage financing according to thg following terms: First Hfortgage an the Property { Second Mortgage on the Property Loan Amount S 144,250,00 t A unY'$ MEnimumTerm 30 years Type of marigage)=fiA Loan To-Value (LTV) ratio: Fqt non-FNA/VA loans LN ratio not to exceed °~ Martga9eiender Bank of America. _ ;rlierestrate S.OOQ 3'o;however,Suyera$reestoaccept•ilia interest rate asinay ~commiited bythe tnartgage fend2r,.not. to exceed a maximum interest rate of 5.500 95. Discountpo'snts, I^an origination,loan platemenrand otherfees cfsarged by the lender as a percemage of the mortgage Iaan (exciud- ingany mortgage insurance prerniurns cr VA funding fee) notto ed %(OS6ifnots ec~earyaftherrtortgagCloan; Loan mo _.._~~ Ntinimum Tern years Typeof morxgage' Loan-To Value iLTV) ratio: ~o Far non-f-7~tA/V,4loans.LTV ratio not to•exceed ._.. Mortgage lender tnterestsate °r'rfiawever,i3uyeragreestoaccapttne fnterastrateas maybe cornrttitted byttse mortgage lender, not to zxceed a max(muminterest rate of 50. I7iscounk points, loan origination, (oar. placement and'. otherfees charged by the lender as a percentage of the morigac,;e loan !exc!uC- ing any r;tortgage insurance prein)ums or VA fending fee} nct to exce p exceed • 9o(0~ifnotspecifiedf.ofthemort!]ageloan. (8) Tbeinteress rate(s) and feels} provis!pns (n Paragraph 8(A) are sattsfted !fthe m4i*9aga lender(s) gives Buyer the r;gh~to guarantee the interest rate(s) and fee(sj at or below t#ie maximdm levels stated. if lender(s) gives Buyer the rightto lock In t1e interest r ate (s), Bt;yer will da so atteast TS ziays before 5.ettiement Date. 8uyergNes 5elferthe right. at Se11et"s sole aptinn and as permitted by law and. the mortgage tender{sj, to tonfribute finandally, without promise of reimburser•.ient, to the Buyer a»d/or. the rncrtgag~s lender(>) to nia!<e the above fnoi#gage termis) available to Buyer. tC) 1h9thin days (y if not spedRed) from thal:xecut(on Date oftttis Agreement, Suyerwili make a completed, written mortgage application (including payment forand, ordersryg of appraisal arttf uedit reports.without delay, at the time required by lender(s)) forihe mortgage terms and tothe inorfgagelander(s)-identified ill Para Jtaph 8(A), ifan}r,.oihervri5e td a respansib)e mortgagee lender(s;,of Suyer's choice. Broker far 73uyer, if any, othgrwise Stoker for Seller, is authorized to =orilmunicate with the, mortgage tender(s) to assist in the mortgage loan process, (D1 .BUyerwiiT be tn.defauit oftfils Agreement if 8uyer furnishes false information io anyone concernfng buyer`s 5nanriaf andlor ernpToyrttent status, fairs to coaperatein gaocf faith witlt processing the ritortgage loan application (including dieiayaf the appraises); fa3isto lack tn~3nterest rate(s3 as state# in Paragraph 8;S), or otharwfse causes the [ender to reject, refuse.to app'rayeor issue a mortgage I:oan camtnitment. (E) 1. iNcrt9age~omm!imentDate:4'lT9/20T1 .Upon receivingamaR'gagecornmftmant,Buyerv/iilpromptiydelivera copy of the eommi tment to3eiler: 2. If Sasser does not receive a copy ofthe mortgage commttmerit{s).bylhe Mortgage Comrtl!trnent Date, Sel€er may terminate this Agreement bywritten rlot)ceto 8uyer. 5e)tei s rightto terminate continues until Buyerdelivers a mortgage commitment to Seller. Until Seilerterminatesrhis Agreement, Boyer is obligated to maKe a good-faith effort to obtain mortgage financing. 3. Seller mayterminate tftis Agreement by wRtcen nat;ce to buyer after the McjRgage Cpmmltment Date if the mortgage eommitmenr. a. DoesnatsatisfythetermsofParagraph8(A),CR b. Lanterns any condition notspecified.in this Agreaitlent (e.g.t31e Buyer mustsetFfe on another property, an appraisal m•.rst ba received~bythe lender, or the mortgage commitment Is not valid througKahe Settlement date) ihatis eat satisfdedand/or removed in writing bythe mortgage tender(s) within 7 DRYS afterthe I<AOrtgage Commttmant Date in paragraph 8iE);1), ar any extension thereof, other than those conditions`~ai"are customarily satisfied at or near settlement (e.c., o5fainir~g insurance, confirming employment). 4. If this Agreement is terminated pursuant to Paragraphs 8(l:)(2) or (3}, orthamortgage loans} is not obtained for settlement: ail deposit monies will.be returned to 8uyer according to.the Germs of Paragraph 21. grid th is Agreement wilt be v0117. auger will be responsible for any costs incurred by Buyer for anyinspestiansprcertificatsorts obtained according to the terms o this Agreemen t, and any costs incurred by buyer far. i;T)Title search,tit(e Ensurance andlor mechanics' lien insurance, or any fee for cancellation; {2} F!aod Insurance, fire Insurance, hazard insurance, mine sutasidence insurance, orany fee~fortancellation (3} App;aisai fees and ch;lrgespaid in advanceto mortgage fender(s). j ..l ~~ 6vyerlni[iafs:.__l`~ _(„ ASRPags3of37 Revisedi/t0 Seiler£nRfais: ~~ =/, Received: Mar 24 2011 03:47pm 03/24/2011 TH17 14: 4o FAX i.rc3380i 4005/021 i 32 ~ 733 i34 'c3~ ', 136 137 ' 138 i39 14ti 74T 142 T.43 744 ~T45 145 947 148 149 150 15t 1sz 153 154 15S 1s~6 157 158 359 160 t62 162 753 364 165 ?85 757 1 ti8 1 fig i7C 171 772 t73 t74 175 17b 177 178 i79 980 381 38Z 163 184 185 18fi' 187 188 t8.g 790 '191 T92 143 (F) if the mortgage lender(s), or a propertyand casuaity'insurer providing insurance required by the mortgage lender(sY, require repairs by the mortgage ie»der(s}, requires repairs to the Property, Buyerwiil,•upon'receivingthe requirements, deiivera copy of the mquiremenstoSeiler.Within 3 pAYSofrecelvingthecopyoftherequ,cements,5elierwltinntifyBuyerwhether5ellerxillmake the required repairs at $eiier's expetlse.. 1. IF Seger makes ttie required•repair5 to.the sdtisfactlon of the mortgage lender and/oi insurer, Buyer accepts the Frope,Yry and agrees to the EZECi:ASE in Paragraph ?4 gftitis Agreement. - Z If 5eilarwR) not make the required repairs, or if Setter talisto respond within the stated time, 8uyerwiii; within, > DtiY5, notify Seller of Buyer`schoice to; ____ a, Make the repairs/improvements at iiuyer'5 expense, with permission and access to th'e Prop-ertygiven by SeBer,~ ~w`hich v1Ui not fie unreasonabiywithheld, OR b. -TerminatethisAgreementbywrittentrnticetoSellerwithaildepositmdnies.retuCnedtoBt+yeraccardingtoth.eterms•of Paragraph 22 of this Agreement: if $tiyer faits to respond within tti;etime Stated in Paragraph 8{F) E2} arfailsta ter»tinate theAgreem ent ay x:ritten notice to SelEerwitkintitat time, Bityerwilt ~tteptthe Araperty and agree lathe A~L1=A5~[n Paragraph 24 ofthis Agreement. FNAlYA, Il/• APPLICABLE (G) Itis expressly agreed that nottivithstaniiing any otherprovlsions ofthls contract, Buyer wiU not ~e obligated to comp?etc the purchase oPthe Praperty:descr(bed'herein or to incur'any penalty by fodQ[ture of earnestmoney deposits ar othe.rvrise unless Buyer has been' given, in accordance with fiIJDJFHA grVA requirements, a wfitteti statement by Yh'e Federal l;oUSlna Commissioner, Veterans Administration, ore DirectEndoisement Lender settingfdrth the appraised vait;e of the Property of not [ess than S t5d,006.00 (the Purchase Price as staled in this ligreernent7.8uyerwiit haveihe.privlie~ge and option of proceeding witF. tonsum:itation of the contract wlthout.regard to the amount'of the appra[sed va{uati4n.73re appraised valuation is arrived at to determine the naximurn mortgage the Department of Housing aril-Urban Deveiopmentw'sll insure. hU0 does natwarrantthe value nor the eon:iltion of the Properly: Buyer should satisfy himself/herselfthat the price and condition otthe Property are acceptabFe. Warning:5ection 1010 ofTitle 1 S, U.S.G, Department of Housingand Urban Development and Federal housing Administration: Transactions, provides,°Whoeverifor the purpose of... inficlenc~ng in any way the action of such t~epaiiment, makes, passes, utters or pcabiishes any:statemenr, knowing the sarneta befalse-shall be fined unr]er Ihtstitie or irc;prisoned not snare than two years, or both.` - (}i) U.S: tlepartrnetttaftiousing anr3 lichen f7eve[opmeni{HU}31 NOTICE TO PtJRCiiA5iiR5: Sre}rer's Acknowiedgement- C Buyer hasreceivediheHU©hiotice"For Your Pfotection:Getahomelnspection."Buyer'u»derstandsiheimpartanceofgetting an'independanthome tnspecttonand has ritaughtaboutthtsbefore.signing this Agre ement. Buyer understands that FhiA will not perform a home inspection nnrguarantee the price ar condifan of the Property. (t} CartificationWethe~undersigned;Seller(s)-artdBuyer(sy party to thtsiransactionea¢hcertifytftatthe-t~rmsafthlscontraetfor purchase are trueto the best ofourknowledge and belief, and ZFtat any otheragreement•entered into by any of these patties in conrtenion with this trronsactiori is attached to this Agreement. _ SELLER REPRESEHTATEONS (•110} (A) RadanTestingand Remediatinn (see hiotite Regarding Radon) Seiler has no knowledge about the presence orahsence of radon unless checked belcsY: ^ i_ Seller has kfiawledgetttat the P.ropertir wasteSted onthe dates and by the methods (e.g. charcoal canister, a[phatrack, etc.}, which produced the results indicated below: Dale Type ofTest. Results {pico~uriesllitre or working ie'~els} Name ofTest:ing 5ecvice ^ 2, Seiler has knowledge tiiatthe Property had radon remover system(s) iristaAed as indicated a aw: J Hate instatied Type of System Provider Copies of ail available testrepoYts wi[i ba delivered to 8uy'er with this Agreenent_ 5eiterdoes itoYcvarrant the meth= ads or'the>'esutts d£radon'teit. (B) Status of Water Sei{er represents tltattite Property "ss served by: ^x PubiiclVater [~ Community Water ^ On•site Water ^ None ^ _- (C} Status of5ewer Seiler represents that the Ptape rty Is sen+ed by: (J- PubficSewer [a Communlty5ewage Qisposai5ystem ^ T2n-Acre Permit Exemption (seeS<?wage Notice 2} ^ individuolOn-lot5etvagetltspasalSystem(see Sewage Notice t) ^ holdii9g7ank(see'Sewage•Notice:3; ^ Individual On-lot Sev,~age Disposal System €n Praxt:nityto 1iJelE (see Sewage Notice 1;:see Sewage Not[ca 4; if anpliceble) ^ None (sea'Sevrage Notice t-) [] None Avai{ableJPerrnit Limitationsln Effect (see Sewage Notice 5) (D) K~ one Preservatfon Sa[ier is not aware of historic preservation restrictions regarding the Property unless otherwise stated here: .) .(~, t94 6uyerinitlats: / ASRf'agekaflt Revised llt0 Selierinltiafs: ~`--_'/_ Received: Mar 24 2()11 03:48pm 03/24/2011 THU 14:46 FAX irC3380i 4006(021 i ,g5 1 (E) ^ Property, ore portion ofit, is preferenrtaifyassessed fortax purpcses underthe following Act(s) tree Notices Regarding land t95 ~ Use Restrictions): 1g7 , ©FarmlandandForestLandAS~essmentACt(CleanandGree:tProgram;Act3t9of1474;92P,S.§54°0.letseq.) 1 gg ~ Q Open Space A'ct (Act'442 of i96y;.32 P.S. § SOCt et 5eq,} 199 ~ Agricultutat Area Security Law;Act k3 ofY981; 3 Q.S.>3901 et seq 200 [•} other .._ 20t (RS Seller represents, as ofthe date Seilersigried. is Agreement, that na public improvement, condominium ar homeowner associazion 202 assessments have been made againstthe Property which remain unpaid; andthat no no#ice by any government ar public authority 203 has been servecS upon SeEleroranyona on Seliar's behalf,•including notices relating'tn vialatlon3 ofzoning, F.ousing, ix:ii'ding, safety, ?.04 or sire ordinances that remain uncorrected, and that Seller knows of no Condition that'wouid constitute a viaiaEian of any such 205 ordinances that remain uncorrected, ttoless dtherwise specified here;. 20G -- 207 (G} Seltericnovrs.ofnootherpotentialnotices{inctudingviola8ons)and/orassessmeritsekceptasfoltcws: 208 209 (H1 Accesstaapublicroatlmayrequireissuant2afahtg{twayoccupancypermltfrom-the DepartmentafTransportation. 2l0 t0. VdAtVfROF~ONTihGBNCiE,s"(9~05) 211 if tEtis.Agraementiscontingant,onBuyer'srighttaEnspectandlorrepairthePropertytortavertfyinsurabliity,environmer,taE 212 ~ corrdttiQns,houndarEes,certifications,zgningttassiGcatianaTUSe,aranyntherinfanxiatianregardirtgfhePcopasty,i3uyer'sfailure 213 ~ to exercise any of Buyer`sop;Eans wiihinthe tirttes setfarth En thlskgreementis'a 1}srA1VER'tif tliat•colttEngency and B~uyar accepts 214 ~ 'the Property and agrees to the R>:L~ASE itt Paragraph 24 of this tigreetnent. Z3 S 11. INSI=ECTEONS (1-10} (See hlotices Regarding Property and Envlroamenta(inspections) 2}6 (q} Rights and ResponsibiEities 217 t. Seller will provide access fo insurers` representatives and, as maybe required bythis Agreement ar f}y mortgage Lender(s), to 218 surveyors, municipal afFcials, appraisers and inspectors. Ali parties aril theirrt=al estate licensee(s) may attend aay inspections. 2t 9 ~ 2. Buyer may make.apre-settlement wal'~c-through 1>~spettion of G'te Property. 6uye's righttothis inspection is rotwaived by any 224 other provision bftF.ls' Agreement, 22t 3. SelEer vpiltrcave heating and•all utElit'ses {includsng fue!(s}) an.Eos a1! Ensgettion'slappraisa(s. 2Z2 4. A3linspectors,BncludinghomeEnspettars,areavthorizedby.Buyertaprovideacopyofaryinsp£ctionreporttoSrokerforBuyer. 2Z3 i i. Seller has the right, upoh request to'receive e free ropy of ally Inspection tepbrtfrom the~party forwham it was prepared. ?24 .! (B) Buyer waivs-or elects, at Buyer's expense, to.havethe following Inspections, certifications, anti investigations (referred to as 225 ~ "Inspection' or'lnspectians`} pefformed Uy professiona- contractors, harste lnspectioris, engineers, architects and.othe~- property z26 ( licensed or otherwise guaGfied pro€essionais.lf the same inspectoris inspecting mbre~than one.systern, the inspector rr+ust comply 2Z7 with the F{ome Inspection Law. {See Notice F{egarcting the i :orne inspection.Law) 228. (Cl Fos such elected inspeotions, Buyerwill, within the Contingency Period(s) stated in Paragraph 12(A),.COmpiete lnspecti<>n.s,.oblain 229 any Inspection reports or results.(referred to as'Report" or. "Reports', anti ac<ept.the Frapetty,terminate the Agreement, cr submits 230. WrittenCarre[tivc.Proposal(s)to5elter,accordingiathetermsofParagraph}2(si. 231 ~Etccted HamslProparty a~rrd Envirottmentat kaxards {mold, etc.} ~ @iTaived 23Z ~'7l'Y._.._ Btryerrnayco:tductaninspectionofthePropetty's5trttctirralcomponents;roof; exteriornrinciowsandexteriardoors, ^!__ 233 axteriorsiding;l:xteriorEnsulationand finish Systems, fascia, gytters and downspouts; svllmming poafs,•hoi tubs and 234 spas; appliances;.electricalsystems;Interior and eater;gr plumbing; pubticsew8r sys#ems; heating and coaling systems; Z35 waterpenetratian;elearoinagneticfietdswetland5andfioodplaindeEineation;structurrosquarefaatage;motdand 236 otherenviranmentalhazards(e:g.fti0gi,in8aoraircjoality,asbestos,uhderg:oundstoiadetanf:s,etc.);andat~yotlter 237 items Buyer may select. tf fsuyereiectsto helve a home inspection of the Prpperty, as defined in the Home Inspection. 238. Law, the home'inspection must be performed by afuti memberin gaol standing of a nationa3 i`wme inspection 239 association, or a person Supervised by a full member of a national horrte Inspection assac'ration, in accordancewitFi 290 the ethical standards and code ofcanduCt ar practice ofthatassodat;ois, ar by a properly (icelned or registered 241 engineer or architect (sea'Natice Regarding the tome Inspection Law} 242 ,~ t;iecteti Woad Infestation 243 .> >~' /~ Eiuyer may obtairi~aivritt2n "Wood-Qesttoying Ensect Infestatioa ttispectioq Repott° from an' Insp2ctorcertified as,a 1tYaived X44- -~ - -wood-des3ruyingpests-pestle;deapplicator~nd-will-dgiivrsitandal7suppotflag.tlDOtrrrl~ntSd[iddrawingspravidac ~./ 245 j bythe tnspectarto Seler. TEre Report is to be made satisFactory toaRd incompliance vrith appiicabte laws, mortgage 246', lenderrequirements, or Eederat Insuringand Guaranteeing Agency. requhemsnts.7he lnspedSnn into ire limited 247 ~ to all reality-visible and accessible areas ofaEi StrUt:tvres on the Property, except fence5.lf the lnspettion reveals 248 ~ active infestation(s), Buyer, at Buyer`s Expense, may obtain a Propgsai from awood-destroying pests pesticide 248 ~ app€ICator to treat the Property. tFthe Inspection reveals damage from active or previous infestattons(s), Suy°r main ZSO. { obtain a wri~ea reportfrom a prefesslonal contractor, home inspectardt structtrrai ergineerthat is limi*.ed to 751 i structural damage•to the property Caused by wood-desCroyistg o?'ganismsand"a PraposaE to repair the Property. 25Z ~Sj~-felled Radon ~ Waived 253 Y/~ Buyer may obtain a radon. test of the Property from a certif eel inspectar.7t}e tJ,5. rnvironmantai Protection Agency .~ t._ 2S4 ([PA) advises corred(ve.action.iflhe average annual exposure to radon Tsai or exceeds G.o2 working levels or 255 ~ 4picoCuriesllitre(4pG/1). 256 ~ Elected Ntater5arrvice Waived 257 , ~/ t3uyer may obtain an inspeciionofthe quafityand quantity of the water system from a propariy Hcansed or otherwise ~%t 1,_.._ 2S8 ~ qualified water/welt testkng company. ifand as required by the inspection company~5elier, at Setter's expense, wilt 254 locateondprovWeaccesstattteon-site.(oiipdivTduaf}watersys€ern.Setlern~itlrestore.fhePrapertyto.itspreviaur, 250 i can~ition, at Seller's expense, prior to settie;rient. is Z67 Buyeriniiials: ~/,.._ ASRPage5ofT1 Revisedl/10 Seiler initials: `!-~_!~ Received: fEar 2d 2()i1 f)3:4Bpm 03/24/2011 THU 14:46 PAX irc3384i [x(007/021 262 ;rfected On-Sot Sewage {[fRpplitatilej Waiued 253 ._/.__ $uyermayabtainaninspcctfonoftheindividuaioh-lotsewagedispasa(systemfromaqualined,professional /~~/ 264 inspector. if and as required bythe inspectfort company, Seller, atSeilei's expense, Wifi facate, provide access to, 255 and emptythe individual An-foi sewage disposal system. Seiler.wili restore the Propertyto its previous condition, 266 atSeller'sexpeRSe;pnortosetttemerit.Saeparagrapfi'72(Cjformoreinformationregardingft~elndividuafOn-lot z67 Sewage Inspection Contingen.y. 266 >:t'ected Prapertylnsuratrce Waived 269 ~~• / euyermaycleterminethelnsuraizilityofthePropertybymakingapDiicatlonforprapettyaridcasuaityinsurance _./,~. 270 ~---- .____ forthe Property tv a responsible insurer. i3roKer for Buyer; Jfahy, otherwise t3roket for Setter, may communicate 27. with thelnsurer to assist in the insurance process, tf the Properly is located in a Road plaG~, Buyer rna}r be required 272 tocarryfloodinsuranceatQuyer'sexpense,whichmayneedtobeorderedl.4daysormoreprior-#o5etiiernentDate; Z73 t:Eected Praperty6oundary. `tVaived 23'4 -...,-I .Buyer may engage the services of s surveyor, title abstractor,or other quaftfiQif professional io assess tiee kzgai ~~ 'c !____ 275 destrptian,certairttyond location of boiirtdaries alidlo'r~tiantuin of land. Moss Selie~ iiave~not iiad the Rrnperty 27G surveyed as it isnotarequlremenfofpropert}rtransferinPennsytvarda.Anyfences,kedges,waflsandothernaturai Z7T or constructed barriers may armay no: represent the.true•boundarylines ofthe Propery. Any nurnesical 278 representations ofsize ofpropertyareapproximations only and may Ise kinaccurate. 279 i:iected Beeds, Restrictions.and Zoning <Jr~aived Z8o ___. /~ Buyer mayinvestigate easements, deed altd use..restrictions (inducting any historic preservation reinidivns or .-.! 28i ordinances}that.applyiothePraperryandreview'ibcai;xoningordinances,fluyermayvedfy#hatthepresentuse 282 of the Property. (such as~Jn-law quarters, aparimenu, home office, day tare) is permitted xnd may elect to make the 283 Rgteement contJngent upon an anticipated use. Present use: ___, 284' irfecied E.ead•13asedPaint.Hazards+;Fotf'ropertiespriorto79T8oniy) C N+~alvea 285 ____J..~..-. $efore$uyerisobfigatedtopurchasearesidentiai.dwefGngbu111pdorta1978,8uyerhastfieaptioataconducta -:'_'~._/ 286 risk assessment and(or inspection ofthe Property for the presence oflead-based paint andlor lead based paint baz- 287 ardsunlessBuyerwalvesthatrigfit,fiegaxdtessof.v~rhether-this-inspection isetectedorvuaivedjtheResidenua3 288 Lead-8asedPaintHazar'dReductirinttctrequ'tr~esa5ettetafpropertyba)Itptiatto9978to.propicletfie 289 Buyer wikh-an~>=P1--approved lead hazards information pamph)eYtitFed i'rdfect Yaur 1"atnity frot» Lead i» 290 YourHame,atongwiihaseparatefiorm,atiachedtOthisikgr~~sneni,disctosingSe1lersknn+tiIedg'enftead- 291 based paint hazards acid anyleas!-based paint retards regarding the Property. (See M1tatices Rgarding 292 Residenitai Lead-Based Patni Ffazards'Reduction Act; 293 i:tected other ~ ;Valved 294 ~.1.,-_._ - -~ .295 _- __ 29b 297 The inspections elected above do.not applyto the fallowing existing conditlons~and/o~ items: - 298 ____ 2S9 _ 300 12. iN5PE3CTiO3~iGOh1T1i+iGE[(CY(i-iO) 30i {A) The Contingency Period.is days (t4 tf notspecified) from t11e Execptfon Dateofihs Agreement for each lrtspection elected in 302 Paragraph 11(Gj,.except the following: 303 Fnspection Contingency Period 3Dq days 305 days 306 days 347 days 3oB (8j CxceptasstatedinParagraphi2tC).iftharestiittifanylnspection.eietiedinParagraph'}t(CiisunsatJsfactor}+to$uyer;&uyerwitl, 309 with.(n,tities#a2edContingencyPeriod: 31 D 1, Accept the Property with the information scared in the ReporY(5) attd agree to the REL.~S~ in Paragraph ZL of this P,.greement, ~7R 311 2. TermiriatettusAgreeMenf~bywrittehnodceEQSe[ler,with''alldeposiisnoniesretumecto8uyeraceordingtothetern^so` 31z • Paragraph z2 ofihJsAgreement OR .313 3. PiesenttherepoR(S)to58llerwithaWrittenCorrectivePrapasai("Proposal"}Eistingcorrecttansand/or Creditsdesirerfby 31~ buyer. The Proposal may, but isnot requiredto, inetudethe~arne of aproperty-lJcensed Qrquatifieo professiona[ to perform the 3I5 correctionsrequeStedJnthePr+iposal,provl5tonsforpayment,indvdingretesrs,andsprojecteddateforcompletianofrhecorrect- 315 ions.BuyeragreesthatSetSerwtilnotbehe3dliableforcorrectlonsthatdvnotcomplysvithmartgagelenderargovemrrientatrequi- 3t7 r.ements.ifperforrr+edlnaworkmaalikemanneraecordingtotheiermsofBuyer`sPropiasal, 318 a. ivakaterthan. days(5ifnotspecifted)framtheendofthe.ContingencyPeridd(s},Se[(ertvitlin~ormGuyerlnwritingthat 319 Seller witi: `-` 320 (t } Satisfy air the terms of Suyer's Proposal{s), OA 3Z1 i2} Notsatisfy alt the terms of Buyer's Proposal(s); Ott 322 (3) Negotiateamutuailyacceptabtewrittenagreementwith$uyer,pravjdingfaranyrepalrsorimprovemenrstnthz 323 Property and(or~any credit to Buyer at settlement, as acceptable to the morig age len~er, if any. 32~ b, it Seiler agrees to satisfyttie terms of Buyer's Proposal orSUyer and Seiierenter irita a mutually acceptable writxen: agreement, 325 ~ 8vyeracceptstheProperryandagreestotheRELEASEinParagraph24ofth':sAgreernent, ~ i, ~:. rL 32f ~BUyerinitiah:~)7 I _ ASRPage6oi~t1 Reytsed7/i0 5eiiertni;ials;%,].(~% Received: Mar 2d 2011 03:48pm 03/24/2011 THU 14:47 FAX irC3380i 1~j008lOZ1 sal I c, IfSatlerchoosesnotinsa$sfyalltheiermsofSuyer'sProposaland'sfBuyeraridSelterdorotenterintoamur~ally 32g acceptable written agreement, Drill Set[er'fails.to choose nny option within the time given. Buyer will, within ~Tdays 3z9 {2 if not specified): 330 (1) Accept the Property with the information stated in the Report(s) and agree to the REEEA5E in Paragraph 2~# of this 33] Agreement, OR 332 (21 'icrminatethls Agreement by written notice to Seller, with all deposit monies returned to Suyer according i:o th=_ terms 333. of Paragraph z? ofthis Agreement 334 Jf Suyer faF1s to respond witttitttfie Time stated in Paragraph 72(6)(3}(c) arfails to terminate thJs Agreement 1Zy tvritien 335 notice to Seller within that ti me, Buyer will accept the Praperty'and agree to the fiELEA SE in Raragraph 2ji of this 336 Agreement. 337 (C} Ifs Report reveals the need to2xpaad or replace the existin4 indiyidua3 ort-(oi•sevage disposal.5yst2rn, Setter may, 4vithin days 33$ {25 if rot spaclfled) of receiving.the Repar , subr>aii a Proposal to Suyer. The Proposal wit€ loci ude; bu*. not be 3imited ta, the name df 339 the compdnyto performthe expansion or replacement; provisions fqr payment including retests; and a pre}ected comPleti?n date 340 forcarrectivemeasures.~thin S 1)AYSofreceivingSeiie,sProposal,orifnoi?rdptisalisprovldedurithininestatedtime, 341 Suyerwill.noiifySellerinwritingo>=6uyer`schoiceto: 342. 7. Agr2etothetermso#'thePropnsat,actepithaPropertyard•agresstoth2REll:A5EinParag;aph2~ofthisAgreernent,4Fl 343 2. 7erminatethisAgreementbywriitennoticeto5elier,withaiideposltrnoniesretuYnedtoBuyeraccardingtathetermsofParagraph 344 22 of this figreement, OR 345. 3. Accept the P•rapsrry and the existing system and agree to the EiELEASE.En Parag'ra}~h 24 of.ttsiS Agreement, If requized by any 34b mprtgageienderand/or anygovertsmentafauthority,BUyerwiltcarrectfhedefectsberaresettlementoru,+l*.hinthetimErequired 3a7 ~ bythemortgagelenderandlocgovernmentalautJtority,at8uyer`ssoleexpense,withpeYintssionandaccesstotltePropertygiven 348 + by 5e11erthat may not be urtreasonahl}+wEhheld; if Seller denied Suyer permission andlor access iocarreti the defects, Buyer 349 may,witltJn 5 DAYS ofSeller's denial, ierminatethis Agreemenrbywritten notice to Seller, with all deposit monies returned to 350: 8uyeraccor iTngcothetermsofParagraph22of.thisAgreemefit, 357 if Buyer fails to respondwfthlnihetime5tatedinParagraph'I2(C}or€ai[stotertstinate.thisAgraeaienrbywritten noticetfl 352 Seiiervrithinthattime;,BuyerWJllacseptthePropertyarrdagreetoth'eRELEASEinparagraph2~€ofthis.AgreemerEt. '353 13. Hb'FitES;A55E5S1415iVT5RNDfi+EUNlCt8At.326{21JI1tEtVtEt3`i5(1-1Q} 354 .~ - (A), inthe evertany notices, ln'ciuding violations, andloi assessments are received after Seller has signed Lhis Agreement and ~+efore 355 settlement Seiler avill within S DRYS of receiving ttre notices and/orassessrnents prow€de a copy of.the notices and/or,assess- 35ta menfs to Buyer ahd will notify Biryer in writing'that Separ wilt: 357 t..1=vtlycamplywiththenoticesand/or~.ssessmer+,ts,atSelfer'sexpenses, before settlerrtent,lfSellerfupycemp!irswiihtherotices 358 andlor assessments, Buyer accepts the Property anti agrees to the RELEASE in paragiaph:24 of this Agreem2nt.OR . 359 2 Not comply withYhe notices and/or assessrriencs.IfSeller chooses not to compiywith the riotiresand/or assessments, or fails 360 withinthe:statedtlmetonoiifySUyerwhetherSeltervtilltamply,BuyerwitlnotifyS.ellarinwritingwiihin. 5 1;~kY:~ 3b7 that$uyer,v,+itl: 352 a. Complywith the potlces andlor assessments at8uyer's expense, accept the Property, and agree:to the RELEASE:Irr 363 Paragraph 24 of this Agreeritent,• OR 364 b. 7er..-ninatethisA'greementbywrlttenrtattceto5e4ier,wifhall.depositinanlesreturnedtaSuyeraccordingtothetermsai 3.b5 Paragraph 32 of this Agreement. 366 1f Buyer fails to respond vtlthin the time stated in Paragraph 33(A){2) orfaits to Ye rrttitxaYe this Agreement by written notice 367 ~ to5elierwitihinthatfime,BuyerwitlaccepttheProperty.~nsiagreetotlteRELEASEinParagraph24oPtEcisAgreernent 368 (ii} lfrequlredbylaw,within 3t7 OAYSframthe.fxetutionDateof2his•Agreement,, but inrlot3sefaterthan. ;5 DAYSprsorto 359 Se;<{ement Uiate, Sellerwill'order at Seller`s expense~.zertificatfon from iheapprgpriate mun't~i poi department(s) dist,osing notice 37Q ~ of any uhcorrecterl vioiaUans of.zoning, l7o.rsing, building, safety ar fire ordJnancesandlor a_certiflcatt: permitting accupaacy of the .377 ( Property. If Buyer receives a notice of any required repsirsAm~rovements,l3tty;?r will promptly deJiver•a copy of the notice to Seller. 372. 373 i. 1'Vithin 5' rJAYS of receiving notice from the munidpality thatrepaJrslimprovements are required, Seller will deliver a copy of 374 the notice to Buyer•and notify Buyer in writing that Seller ,viii: 375 a, iUiake the.requtlt=d repairs/improvements to thasatisfactlon afthe.municipality.lfSelier rnakes~the required repo€rs! 37fi improvements, Suye> accepistite Property and agrees to the RELEASE in ParagrapJt 24 ofthis Aoreement. 0'? 37T fr. Notmake the required repaialimprovements. ifSellerchooses notta make the regulret! repairs!'unprovements, buyer will 37g notlfy5elierln.writingwlthin g dAYS.that$uyerwilt: 379 (t) r+Aake the repairslimprovemenis at Buyer's expense, with permission antl a[cess to the Property given by Seller, which 380 will notce unreasonablywlthheld, OR 381 (a) TerminatethirAgreemenYbywrititenngticetoSe€ier, with ~lfdapositnioniesreturiec3aoBuyeraccordingtatheterms 382 of Paragraph Z2 of Utfs Agreement. 383 if Ruyer fails tadesparid within the LJrr•e stated in Paragraph 1306)(1){b) ar fails to~er;ttinatfithisAgraement ioywritten 384 noticetnSellerwithinthattirne;BuyerwtflacsepttheP'ropertyandagreet~the,REi.EA5E5nParaglroph24vfihts 385 Agreement and Buyer accepts the responslbltitYto perfotrri the repairslsmproverrrents accorcling.ta:.Jre terms efthe notice 3s5 ! provicledbyihemunicipallty ?87 ~ 2, EfSellerdeniesBuyerpermissiontomaketherequiredrepalrs/improvements,or.doesnot~pravideBuyeraccessbaf~reSerlement 388 ~ Date to makethe required repairslitnprovements, buyer may, within 5 DAYS, terminate thisAgreement bywritten notice to 389 ~ Seiler, with. all deposltmonies returned to Buyer according to tlx ter m o Paragraph 22 of this Agreement. 39L' ~ 3 I€ repairs/improvements ace required and Seller fails to provide a'copy of the notice to Buyer as required in this Paragraph, Seller 397 ~ will perform art repairslimprovements as recruired by the notice ai Sellers expense. Paragraph 73{B){3) wilEsurvive scttiernent. w ;? /~/ `i 342 8uyarinitiais: ~~,,.,~~~ 1_.._ ASRPage7a#it Revlsedl/i0 SeAerlnhials: `~ ~'_.!,_._ Received: Mar 24 2011 03:49pm 03/24/2011 THU 14:47 FAX irC338Qi ~J0091021 l 393 ~T4. CONDOR4ST~ifLSMIPt.AflINEDLOMMUh117Y(1iON11r04Vt1ERA550C1A'f'IONS)RE5All:-d0'f1CE{'t-~Qj 394 Property is NOT a Condom(a[urn ar parE of a planned Community unless checked below. 39> ^ CONDOb1iNlUfvl.The Property is a unit of a•condomintum that is primarily run py a unit owners' association.5ection 3407 of the 396 Unifarm Condominium Act of Pennsylvania'(see Notice ftegarfiing CnndomEttlums and~P[anned Cammunitles) requires Setter to 397 famish Buyerwith a Certificate of Resale and copies oft7le condomirilum declaration (otherthan plats and plans},the bylaws dnd 398 the rules and regulations of the association. 39g ^ PLANNED CONSNtl3N1TY(H`3M~C~Wt3ERAS50CiA7fplS).ihePropertyispaROfapiannedcomrnunityasdefiredbyttte 400 Unifarm Planned Community Act{see Norlce Regarding Condominiums and Planned Communities). Seefron ~4G7ta) cfthe Act A01 requires Seiler to furnish Buyer with a copy of t?te Declaration {otherthan plats and plans), the byiatws, the rules and' re-yulatians 402 oftEte association, and a Certificate containing the provisions setforth in 5eCti0n 5AC7(a} oftite act, 403 THEP.fJtlOWtNGAPPt.1ESTOPitOPEltTf~5Tti1L1"A.81„PARTO~RGCINgt?MFf11i3MORAPF,ANNETJSr0ls+ilyfili~(ITY. 404 (Fit Within _ ~ ~ DAYS from the execution Date of (his Agreement; Se1Eer, at Seller's expense, wii!•request from tfie association a 40~ Certifitat? of Resale and anyother documents netessary to 2nab(e Seller to comply w€ih the relevant Act,Tne Act provides that 4C6 the association is requiired to provide these document3 within 10 days nf5efler's request. 407 (8) Selierwillpsomptiy'deJiverro.Bu''yizralldocumentsrecefvedfrotntheassaclaUon.UndertheAct SeElerisnoriiabletaBayerfcr d08 the failure of the association to provide the CeRificate in a timely mariner, norissellar liable CoBuyer#or any incorrecr inr`ormation 409 provided by the association in tfte Certifrtate. q 10 (G} The Act providesYrtaC.Buyer may declare this AgreementVO]D at anytime before 8uyerreceives tt~se association documments and 4t1 ~for5daysafterreeeipr,ORuntilSettiPment,whicheveroccurs.frst.Buyer'S,nottceto5etfermustbeinwriting;upat~~Buyer ail declaring this Agreementvoid, all deposit monieswi,! be returnedto8uyeiaccording tothe terms of paragraph 3t) of this 4t3 Agreement. 434 (t)) Ifthe assaciatiori has the righrto buy the Property {rightoftirst refusal), and the association exercises tharrigh ; Setter. will 4I5 reimburSeBuyerf9r'anycoztsincurredbyBuyerforanyinspedionsorcerOficationsobtainedaccarding'totheter:nsofihe 416 Agreement, and erlycosrs incurred by tiuyerior,. {Ij Title search, trite insurance and/or mechanics` lien insurance, or any fee#or 47 7 CancePatian; (2}-I'ioad insurance and/otRre insurance vrithexteniied'coverage,mine subsidence insurance, or any fee for 418 cancellation; (3) Appraisal fees and charges paid fn advance to mortgage le,~der(s}. 419 ~75. T{TLCS,SU$VEY5AS~IDCQSTS{I-1Q) 42C (A) 'the Propery will be conveyed v~ith good and marketable title thatis lnsurabfe bye reputa63etitle insurance company azthe 421 regular rates; free andclearof alllEens, encumbrances, and easements, excepting howeverthe foliowiig: existln~~ deed 4x2 restrictions; historicpresarvation restrictions or ordinances; building restrictions; ardinances'easeinents ofraads; easements 423 ~ visible upon the grourd,• easements of record; and, pr)vi{ege5 or rights ofpubiicse,:vice companies, if any. 424 i (B) Bvyerwilipayforthefallowing:(t}Tltlesearch,titieinsuraneeand/or mec#ranits'ii2ninsurance,aranyfeeforcanceliation; 4~5 (?} Flood insurance, fire, insurance; hazard insurance; mine subsidence insurance, arany fee fcr cariceftation; (3} Apprpisai fees d26 and charges paid in advance to mortgage lender, (4) 8uyer'S customary settlemerttcosts and accruals 427 (C} AnysuryeyorsuNeysrequiredbytheYst[einsurancegompanyoriheabstracting~cotTii~nyfdrpreparinganadegi:atelegai 426' description cf'tise Property (otthe confection titereofi wIli be a6tained and'paid for by 5ellet.Any survey or surveys desired by 429 i3uyeror required by the mortgage9enderw111 be obtained ar+.d paid forby Buyer, 430 (D) if Seller is unable to give a good and marketable title and such as is'snsurehie bye reputable~titli;insurance company aCthe 43i copular rates; az specified in paragraph I9 (A), Buyer mayterminatethisAgreement by written notice to 5eiieG.with ail deposit 432 ~ monies returned to Buyer according to the terms of Paragraph 22 ofihis Agreement. Upon termination, Seiler will reimburse 433 Buyer forany costs incurred by Buyer for any-inspections.or certifcatlons obtained a<COtdi~g'ta the terms of this Agreement and 434 ~ for.those itemsspeCified in Paragraph't5(B} items.(I"rr, (?J,.(3? and in Paragraph l5(C3, unfessBuyer accepts exin:ng title. 435 tEl Sefler:u not aware of the status of oil, gas and mdnerai rights for Property, unless othen+~ise stated below: 436 ~ ^ Seiler does not awn @1! subsurface righ;s to the property. 437 ^ Oil, Gas and Ntinerai Aighi:s Addendum (PAR Form OGNI} is attached. 438 {£} COr~O NOTICE (Where Applicable} 439 ~ THiS.DOCUMEtSTiv1AY1JOTSEtd.,COh'VEY,,TRANSFER,INCLUOE.Oft!AfSDRE17•lt:'rITtETDTHECOA4RiVDR~GHTSQFStFP?OA'rll:lk7'cnNEA7H 440 } 'THE SURFACELrWDDE5CRIBEDORREFERRBDTgHEREW,ANDTHEOY1iJEROROt~1NER50FSUCFiCOAt.NiAYHAVETHECOFI3~LE''I:LEGAt 44I i REGl1TTOREMOVEAILSUC}1CAALAND7NTFiAT'CONNECfiOt`t,{7ANiAGEhiA1(RI:SU?7TOYT-tESURFACEQFTH(;LA1~iDA'yD~"`~YHOVSf, 442 i BUtLDiNG OR OTHER S7RUCtURE ON OR iN SUCf-'s LAND. (This Halite is set forth inthe marine r provided in 5eCion i of the AcCCf 443 € Juiy 17,1957, P,L 484.). "$Uyer acknatsrledges th@Che may be obtaining the tight ofproteccion against subs(d=_nee resuiUng frarn q44 coal mining operations, and, that the prope'riy described herein maybe prateded'from damage due to mine subsidence by a 445 private wntraa with the owAers-oftheeconomic interests in the coal. This acknowiedgernenr Is made tar the purpose of 446 complying wilt!the provisions of5ectlon i4 ofths Bituminous Mine Subsidence andtne Land Consananon P.ctafAprit x7,1466 447 Buyer agrees to sign the deed from Setter whichdeed wtTi contain the aforesaid provision. 448 (G) The Rraperty is not a "retreaUonal cabin" as deftned In the Pennsylvania Construction Code act un!ass otherwise stated here 4 ;9 (see t~4otce Regarding Recreational Cabins}: __... 450 ~ Tb. htAi>YTE~iANCE AND RLSK (7FlQSS (I-10) 451 (A} Seller will mafntainthe Property, grounds, fixtures and persanal•proper?y spt:dficallyiisted.i ~th'ss.Agreement in its present canditian, 457, normalwearandtearexcepted. 453 (B) if any system or appliance included in thesaie of Propstty fai{s before settlement, Seller will: 454 fi 1. Repair orxepiace the failed system orappliance before seYJemertt, OR 455 2. Provide:promptwriiten Halite to Buyer of Se13er's dec'ssioa to; 456 ~ a, Credit Buyer at settlement forthe fair market value of ttie failed system o; appliance, asacceptabie sot he mortgage 1ercier, 457 ~ if any, OR 45g b. r ;vot repair or replace t}ie fa's(ed system orapp?lance, and Hat eredlt8tyer at seitlementfo,~the fair market~alue ofthe failed 459 ~ 1,.~a, system or appliance. ~~`~~_ j A6Q lIIuyer init~ls; ~__ / ASR Page 8of 11 Revised 7/1o Belle; Ihaidl5: ,_._~_ /_.- Received: Mar 2d 2011 03=49pm 03/24/2011 THU 14:47 PAX irc3360i Qj0101021 net ` 3. If Seller does not repair ar replace the Patted system.or ap'ptiance or agree to credit Buyer for its.fair market value, or i1- Seller 462 ~ faiEs to notify Boyar of Setter's choice, Iiuyervrill notify Seller In writing within 5 BAYS or b'efote Se[tlernent Datz, 4g3 whlcheverisearlier,thatBuyerwill: 464 E a. Accept the P7operry and agree to the RE=LEASE in Paragraph 2'4 oftl:is Agreement, OR 46,5 b. Terminate this Agreement by writter3 naticeto Seller, tivith al(depasit monies returned fo Euyer aaoro'sng to the terms of 465 Paragraph 22 of ihls.Agreement 467 tfBuyerfaiIstorespnntlwithirt~i~etimestatedinParagraphlbll3)(3)arfails#ofermirratefhisAgreamer:tisywritter~ 468 notice toSellerwit3tinthatttme,Buyerwi)iarsepttheprnpertyandagreetutheCtELt:g58inFaragr~ph24af:Ehis 45g Agreemeat- 470 (C) Seiler bears the risk of toss from'fire ar other casualties untiS settlement.lf eery prapei:y Included in this sale is destroyed ~:rra not 471 ~ rep}aced prior td settlement, BuyeTtiYlll: q72 1. Accept the•Praperry In its then current condEtion togetherwl~th the proceeds of any Ensurance recovery obtainable by Seller, OR 493 f 2. Terrndnatethis Agreement by written notice to Seller, with all~depasitmonles retumed-to Buyer according to the terns a# 474 Paragraph 22 of this Rgreemertt. A75 97. tiDMCWARRAN7SES(1-i0) 4:76 At or before settlement, either partymay purchase a home warranty fbrthe Prapertyfrom a thirtl•partyvendar, Buyer at+d Seller understand 477 that a~tome warranty Far the Property does nota)rer any disclosure requirements of Seiler, will.notcaver artvarrant any pre~:xistirig defee*s a7s of the Property,and~wiiinotalter,walveore~ctendanyprovisionsbfthisAgreementregardinginspecdonsor-cert'sfi~ationsthatBuyeYhas. 479, electedarwaivedaspartoPthisAgreement.BUyerandSeller.understaridthatttlelicensee,hrakerarmortgagelenderwha.crdersthehome 480 warranty may possibly receive a fee paid bythe home warranty cbmp.~ny. 481 't 8. RECflRDENGf4-053 482 This AgreementwilE;totberetardedinthe0fflteoftheRecordar.aPDeedsorirranyatiterofficeorpiateofpubl3crecord.lfl3uyercausesor 483 permitsthlsAgreementtaberecorded,.SellermayelecttatreatsucEtactasabreachofthisAgreemeni. gg4. ~9, ASSIGNMENT{t-1 Q} 485 This Agreement is binding uponthe parties, Theis Eteirs, personal reprasen#ariVe5, guardians and:3uccessars, and'to tPie event assignzb!E, 485 on-the assigns of the•parties hereto,Bityerwill nottrartsfer orasslgnthis Agreertir'ntwtthout titev.ritten consent of Seller unless gther wise 487 staEedinihisAgreeinerit.PssignmericofthisAgri:ementinayresultinadtlitlbnaltransfertaxes. 4sa za. eov>:RNtri~i~w,v>:NVESrP~saruAt.~utzESS3itnONts•os) 484 ~ £A) The validity amid construction of this Agreement, andthe rights ai~d duties a#the parties,'wili he governed in accordance v: itr the taws 440 oftheCornmonwea)thofPennsylvania. a,~her 49t {B} The parties agree thatany dispute; controversy or ctalm arising under or in cannzctTari withthfs Rgreementor its performance by _'' 492 partyshalibedecidedexcEusivelybyandinthestatearfederalcourtssittingintheCornmonwealthofPennsylvania. 493 .444 1l2t. R;:PRESEtvTATi4NS£t=i 0) 495 1 (A} All representations, claims, advertising, ptomatlanat activities, brochures4r plans o#any k;nd made by4alier, l3rolcers,thelriicensees, 496 employees, o(fieess or partnersare not AaTtoftliis Agreement ;un[ess expressTylncorporateG arstated inthis Agreement, T}tis 497 Agreement contains fire whole agreement bettiveen SalEer and $uyer,and.ihere are no other t2rrYrs, obligations, covenants, , 498 reptesentatians,statemeritsorcondttiorts,oralorotherw)se,ofanykfndY,•hatsoeverconcerni'rtgthissate.ThssRgt'eementwii nett;e 459 altered,amended;changedormodif+eclexteptinwrltingexecutedbythe.parties S00 Cd) tinlessatherurisestatedinthisAgreement,Buyertiasiri5petiesi.2TseFraperty(incTudixsgfiXtuCesandarsyparsopaipropet#y 501 specificatEytistedhereirt)beforesiynistgthisAgreemetttarhasvdaivtrd2heright:todiiso,and.agrees#a_purchasetheptaperty 50~ SNiT5PRE51:NTCQNDIt•(ON,subjecttainsppctiaritoittingenti..eseEectedfn~EitisAgreerner:t•.Buyeracknowledgesthattirokers, 5.03 theiriiceuseas,entplayees,offscersarpartners.havenotmadearxindepend~ntBXatninatfonordete3'rrtinationafYhe 5pq structuralsounctnessaflfieProperty,theageorconditianofthecomponents,.envlronrt:entalcrirttiitions,thep~armittedusas, 505 nor ofconditiansextstinginthetocal~wheretltePropertyissilvated;noriiavetheymadeainecharticaiinspectioraafanyof 506 rite systems canta:ined therein. ~~07 (C( Any repairs required by this Agreement witl be completed in aN~orl<rnanlike Tnanner, Sflp (D), Broker(s) have provided or may provide services to assistunrepresented parties in tamplying with:this Agreemen#. 504 22. Di:FAttLT,TERIYItNAT10NANLiRETIIFiNOFDBPOSIFS(1-.l q) sT0 (Al Where 8uyerterhtinatesifvsAgreementpurslranttoanyrightgrantedbyihisiigrcement;euyerwillbeentit~edtoareturnof 5T t all deposit monies paid on atcount'of Purchase Frice.putsuant to the terms of Para graph 2zi~). and this Agteementvdill'oe Slz VOip.TerminatianofthisAgreemenimayoccur.'forotherreasonsgivingrlsetoclalmsby'Suyerarid/orSelterforthedeposs; 5I3 monies. 514 (B) Regardless of the apparenteniitfernenttadepositmontes,Pennsylvanialawdoesr.otallowaBrakefio!dirgdepasltrnaniesto 575 dztermine tvho'ss entitled to the deposit monies when settiementdoes not occur. Brokercan only release the deposit monies: 51G I t. IPthlsAgreernentistarmtnatedpriortosettiementandtFiereisnodisputeaverentitfemen:tathedepositmanles.Awritten St7 agreement signed by boi!rpzrries is evldercethatthere is r,o dispute [egand[ng deposit monies. 518 2. If, after Broker has received deposit monies, 6rolcer receiv25 a Written agreement #haf is slgr:ed by buyer and Seller, directing Sig ~ Broker howtadistributesomaorafEof-the deposit monies. 520 3, According io the terms of a final order of coon;. S27 4. According tothe termsof a prlor4vritten agreertient between Buyer and 5eilert'ttat cFirects tfie Broker l;ow#o distribute the 522 ~ deposit morales if there is a dispute between the parties that is not resolved. (See Paragraph zz(CU / ~ j ') ~'~% 523 ~Buyerlnitials:,~,__~J.._ AStiPage9of11 Revised111D Se11er's^,itials: r!~~~~.~ Received: Tsar 24 201.1 fl3:49pm 03/24/2011 TH[7 14:48 FA)i irc3380i X011/021 524 525 52C~ 527 SZB 529 530 537 S32 533 534 535 536 537 538 539 ~ 540 , 547 ; X21 543 544 545 54G S47 548 ' 549 ' 55Q 557 SSZ. 553 554 555 556 SS7. 558 554. 550. 567 562 563 5G4 565 SG6 56'7 568 569 570 571 572 573 574 (C] Buyer and Seller agree that if there is a dispute over the entttlementto depasit monies that is unresolved 365 days after the Settlement Date stated in Paragraph 5{A}, or anyvirltteli extensions thereof; the Broker holding the deposit monies ~viil, within 30 days of receil2t of Buyets written request, distdbUte the depasit ttignles to Buyer unles3 the Broker is In receipt of verifiable written noticethatthe~di§pute is the svbJecr of(itigaflon.If Broker has.recelved verifiab(e~wftten. notice of litigation prior to the receipt of &uyefs request for distribution, Broker will continue to~holil the depasit mottles until receipt of a written d isiribution agreement between Buyer and Sellaror afinal court order. Buyer and5eller are advised 20 initiate litigation for any portion ofthe deposit monies prior to anydistri6ution made by Broicerpursuant to this paragraph, Suyerand Seller agree that rare distribution of deposh.mon{as based upon•the passage of time does not legallydetermine entttlementta deposit monies, and that the parties maintain their legal rights ttY pursue litigation•even aftera distrlbation fsmade. (D) Buyer grid Selferagree that Broker who holds ar dlstrIbutes deposit monies pursuantto the terms of Paragraph 22 or pennsyivania law vaii(nat be liable. Buyer and Seller agree thaC if any Brokerx oraffiliated licenses is named in Utigatian regarding depasit monies, the attorneys' fees and costs ofthe~8raker(s) and licensee{s).wiii.be petit bytha party naming #hem in litiaa#ion. (E] Seller has the option of retaining all sums paid by Buyer, incldding the depasitmonies,should Bayer: i. Fail to make any additional payments as spetified ii•i Paragraph 3, OR 2. Furnish €aise or inrnmplete infprniattan to Seiter,Broker(s}, or any othei pitrty identified in this Agreement toncemBlg Fsuyer's legal at fiaardal statics, OR 3. Violate crfaif ro fulf,Il and perform any other.terms orconditlons of this Agreemen*, (F) [Iniess otherwise checked irr Paragraph 22(G}. Seller mayeiea•ta refairfthose sur't3s paid by Buyer, including d~pcsit monies: 1. Dn account of ptrrrhase price, OR 2, As monies to be applied to Seller's damages, OR 3. Asliquidated damages forsuclt default. {v5 ^x SELLE,915 LlNfl77»D 70 RE7'All~1lNG SUf4{S PAID BY B#1YER, INCL'UD1ftiIG D1rPC151~' MgN115, RS LfQE3tDRTED DRtW1AGE5. (Hj if Seller retains all sums paid by 9uyer, inciudhtg depositmon(es,as Uquliiated damages pursuanrta Paragraph22(F) or (G), Buyer and Seiler are released•f{crtt further fiefoilltyo,rabligatlon ardthis Agreement isV01D, (€} Brokersand licensees are.nof responsible Par unpa(d deposits. 23. 24. 25. Z6: WIEDEAT#ON (7-10} Buyer and Seite^wili submit all disputes ar claims the: arise-from this agreement,, inc(udittg disputes end Balms aver depasit monies, to mediation. Mediation will be cor•.ducted lriaecardanae withthe Rules and Procedures of the name Seiiers!}iome'BuyErs Dispute Resolution System, unless it is not axaidable, in which case Buyer and Seller will mediate according to theterms of the mediation system offered by the local Association of REA(_TOitS°..MedFatlon fees, conta4ned in The mediator's fee schedule; wsll be divided equallyarnor,g the parties and will be paid beforetihe mediation conference. T1r'ss mediation process must beconcluded before any partyto lice dispute may initiate legal proceedings irl any courtroom, wlththe exception df fll(ng a summons if(t~is necessaryta stop any statute;of'rirritations'from expiring. Arty' agreement reacfiecs through meiifatibrt andsigaeif by'the parties will be b'snding (sea Notice Regarding Me~iation).Any agreerr}entto mediate disputes orclaiins arising fsam this Agreementwi3l survive seitlernent. tiELEASE {g-O5) Buyer releases, quit claims and forever discharges SELf:ER, A1L.BROiC£RS, tfselr L1CEAt5l;ESr EMPLOYEES and any Cif F1CER or P1lR'fi`lER.of anyone of them and•any other t't:RS.ON, FiftNl arCORPORA7FQN who may be liable by or throughthem, from any and all ttaims,.losses ordemands, includ(ng,-but npt (frnlted tai personal injury apd praifet'ty damage and all a:F the ~consegpences thereof, whether known qr noU which may arlseframthepresence ofterinltes.ar ath erwoad-burin g insects, radon, Eead-based paint hazards, maid, {ungl or i ndgot air quatitjr, environment~t hazards, any' defects in the: €ndividuai on•lot 5ewag e disposal system or deficiencies in tF:e an-site water service system,uti)cnown'41t(e de~gcts, yr any defeRS ar cond(tioris an the Property. should Seilerhe in default 4rnderthe terms of thisljgreement, ar in vfalation of any salter disclosure law orregulation, this release does not deprive Buyer o£ any r5ghtio pursue any retitrzdles thatmay be available utzder l'aw orequity: This release will survive settlement. RE:IiL FSTAYB R)rC4Vl=RY fiJ~lE3 (9-05} A Real [state Recovery Fund exists to reimburse any persons who have obtained a final civil}udgment against a Pennsylvania>eal es~te licensee owing to fraud;.misrepresentation, or de>:elt In a realestate transaction and who have been unable to collect thQ juda_.~rtent after exhausting all7egai and equitable reritedles. Forcomplete details a6outthe Fund,dall {7t7;.783-3658 or (84DJ 822-2 ~ 73 (within Pennsylvania) and (717) 76'3.4854 (etrtslde Fennsylvaila). CdTv7MilitICA710N5 V~17"H 8tlYiwA AND/4it SFd.Llrit (3-30) ~'lhereverthis Agreement contains a provisionthat requiresor ailowscommuniratian/del'svetyttiaBuyer, thatprovision snail be satisfied by camrnunlcatian/delivery#a the Broker for Buyer, Ffany, except#ardocuments required to Foe delivered pursuant to paragraph 74. if there is no Broker for Buyer, those prrovisions may be satisfied anE,y by communication delivery oeing made oirect!yto the Buyer, unless otherwise agreed.tp. bythe parties. Wltereverthis Ayreement contalnsa provision that requires orallows communicat- ionldeiiveryto a S;:Iler,that provision shall be satisfied by communicatEOnldellvery to the Broker farSeller;.if any.lfthere ~,s na Broker far Seller, those provisions may be satisfied only by comrnvnication/detivety being made directiyto the Seller unless othertiv.ise agreed to 575 576 577 578{ 579: 580' 58t 5B2 583 584. 585 586 587 58$ 589 590 557 592 by the'parties. z7. SPECtALC1.AU5ES{t3-o91 {A) Tlie following are part of this Agreement if chec(ced; ^ Sale & Settlement of Other Property Contingency Addendum (PAR corm SSP) ^ Sale & Settlement of Other Property Contingency with Right to [ondnue Marketing Addendum (PAR Form SSi'-CM] ^ 5ettlementofCftherPropenyContingencyAddendum(PARFormSOP) ^ Short Sale Adct~ndum to Agreement of 5aie (PAR Form SIiS) © Appraisal Contingency Addendurrti (PAR.ForTn ACA) Buyer tnitlais:. ~~ 1~~ ASR Pare 14 of J l ReVlsed ll10 Seller Initials: ,i~ Received: Mar 24 2011 03~50Rm 03/24/2011 THU 14:48 FAX irC3380i ~]O12/021 543 594 595 59b 597 598 5$9 500 '601 692 603 604 60S 606 607 608 609 610 611 672 G13 614 61~ 515 6i7 fi16 619 620 G2'I 6.Z2 623 i~ b24 ~. 625 b2G 627 62S 6~ 630 fi31 532 633 634 635 636 637 b38 634 G40 (8) Rddlti0nal Terms: 3iiy+er and Se.':rracl::lav;reayeTncoipt__fi~tapy^#t11ic11nreenlentatthetimeofsigning. 1Chls Rgr@elrtent may be EX£Ctited.ln aTie OrSnPTe,COUYtte r~alTSreach flf+Nt11C11 511811 be deelnetFt4 IYE ~7n nrl~ittal ~ttd Wfii C13 CGUnteTpartS together sllaii canstituteone and tiiesatrie Agreement of the Parties. 1VO71C1; TB PARTIES: VsINEht SIG1~l:D TKISAGREEIV1irNT 15•A $lND11~f.G COt1TRACt. Parties to th istransactlon are advised tt~ ct?nsuit a Pennsyivanla real estateattarney before signing [ftlsey desirelegal advice. Return aftbisAgreetrient. anti anyaddend~ aTrd amertdrttents, ittCludltl g return by elactro rtic trartsrnission, isear:ilg thQ signatures of all parties, constitutes acceptance bytlYeparties. ~ ~~ ! Buye: has received the CvnsumeriVntlce as adaptedlry the State Rea[ Estate Carntrllssion at R9 Pa. code §3:1.336, ,_~:, /J,Beryerhas.receiuedastafemeritof8ayetsesiimated.ciosingcostsbeforesigttf»gtl'tisAgreement. :'~~= f Brayer has read anil under~tandsthe notices and explanatgry irtfarmatian in thlsAgreerllarst. ~-r 8uyerhasrece'iiuezfa5etier`s.FropeTiyfltstitsstireStatemenihefaresigningihisAgresmant,ifrequired{aylav~(see ~, ,: Infarmatlo». Regardlrigthe Real Estate Salter ptsclasure lavil. `3~- i~BUyerhasreceIvadtheDefiusitFYioneylnotice(forcoa{s~raiivQSateswEtenSroker~arselferishald3ngdapgzifitnoney) b cfdre. signing.this'Agreement. ~ t~ t Ruyerhas received the end-Based faint Hazards pisctosuTe, which is aitaclled to this Agreement of Sale, acrd the porn i Prot d am~y from Lead fn YoarEiom~2•i#orprgpettierb'Giit~p~riortn'1978) ~ Vl'ITNESS ~/ ~ $UYER ~-{+ -~-~J.. - ~-L_.~..~ DATE _ .~i ~t~~;~~ ~ 14'iTIVE BUYER -- BATE __i W1TNE55 bAT£ ~_ BUYER Seater has received'the Consumer Notice as adopted by the State iieaE'Estate [r`grrlk»issfG» at 49 Pa.•t;ode X35.336. Sel ter has received a statement of 5elier`s estimated dosing tosts before signittg this Agreement, Setter has read an3 understands the notltes and explanatory irlfbrmation in this Agreement.: _ //~' ~' WiTNE55 5E4.CER ~~~ C~s t/ ltd; IL.C~~' DATE R.~ Z~/ / I DATE WiTNE55 5EL41cR ___. WtT1YES5 SE4tEfi iJ7~.TE ASR Page it 0¢11 Revised 1114 Received: Mar 24 2011 03:50pm 03I24/201I PHU 14:48 FAX irc3360i ~013I021 NOYI£E l?ESARI)lNG CONVlCI'6P SEX OFi•ENDERS {Rr1EGAN'S.LAW1 t The P-ennsylvania Gen_ra[ Assembly has passetilegisla[SOn (often referred to as'Megan's law,"~2 Ba.C,S. §'9794 et. spq.} pCOViriing for community notiiiration of fhe presence:of ceriairi convi i:ted sex affQnders: Buyers are encouraged to cprtta cttEts municipal police rSepartrrient.ar the Pennsyfvanta State Police for'snfarmatianrelating to tTtepresencenf seK offender's nQar a particular property, arfo cfieckttte:infarmation on 2h~ Per?nrylvarria State PoF(ce Wel~stte aturvtur.paniegan3law.state.pa.us. Foreign lnvestm ent In Reai Property TaxAct of 4484 (1=lRP'TA) Th~ dispositon of a US.. real property interest by a foreign parson [thetransferor} is s;abjectto.the Foreign investment in Reai PropertyTax Act of 19fi0 {E1fiPTA} income tax withholding. F3RP7'A authorized the United States to~taxfareign persons oft tiispositions of U.S. real propprty interests. This includes bu is nb*.limited too sale ar exchange; ]Tqui¢ation. redemption, gik,transfers; ~tc..Persons purc#jasing U.S, real propgrtyinterests (transferee} from for~;gn persons, certain purchasers` agents, and settlement officersere required to withhold 10 percent ofYl?e amount realized (special rules far foreign corporations). Withholding 1s intended to ensure US, taxation of gains realized an disposition ofsr~ch int2rest~.'The transfefeJBuyer istkr4 withholding ag$nt.ltyou are the transfereelBuyer you mustflnd outifthe transferor is ~ foreign' person, lithe transferor is a foreign person and you faiE to withhold, yorl may be liable for the tax. t30TtCE RRGARb1NG REAL ESTA7~TAX~5 {Paragraph Z: Purchase Friceand Deposits} Re.4 F Estate lax Prbration:•For purposes of prbrating, real estate taxes, the "periods covered" by the tax bills are as follows: Mujticipai faxes: Forali cnuntsas and muniClpaliiles in Bennsytvynia, tax bliss are.for flee period January 7 io December3l, 5ctjoo3 Taxes; Forali sthwl distritts, othertitan the Philadelphia. Pittsburgh and Scranton schoo! districts, the period covered by the'tax 15ii1 is + July 1 toJune3D. Far the Philadelphia,Pirtsburghand Scraanton school disulits, tax buts are for the period3anuary 1 to i?ecember3l. Ere ~ lSsiaYeAssesstnent Notice; Ih Pennsylvania, taxing authorities (sthaol dlsulcts and rnuricipzlities) and praperiy owners may appeal the assessed value for file property etiim time.af sale, o- at any time'thereafier. A succrs9ful appeal by a iaxing.authority may result in z. hlgfter assessed value far tl~e prdperty and an increase in property taxes.~lsa, periodic county-wide property reassessments may change the assessed value of the property and res~ttt in a cha nge In properly tax. AiQ7tCE i'O BU'IER5 SEEi(lNG MOR7GAGEPINANCING (Paragraph 8t Mortgage 6ontingencyl appraised value of a Property is used by fendersto determine ell? maximum amcunt ofa mortgage iflars. The appraised value Is determined by an rpendentappratser, sub}echo the mon'gage lendar's.underwriter review, and may be higheror lowerthan the Pt.7chase price andlar market price se property. Loan•To Value {i Tyl is used by lenders as orie tbo3 to help assess the pbtentiaf riskdf a mongage Ioan.LlV lsdeterrnined bydividing the requested amountby either the Purchase price or the appraised valuepfthe properly,whichever is lower. A particular LTV may be necessary to qualify for sin loans, of Buyers might be required to pay addit[onat fees eithe LTV exceeds a specified 3evEl: ND7tCE REGARDING TRl3TH IN Li;ND1NCr{Paragraph 8: INorYgagetonlingertcy} Mortgage Disclosure improvement Ac. requires mortgage lenders to pravide.8uyerwlth a Truth in Lending [f IL} statement a; the rime of mort^yage lication {early disclosure) and anytime tltereafrer {re-disclosure) if the anaua(percentage rate (APR} changes by mare thar,.1 ~5 percent.5ettlament not occur within 7 days of the early disclosure orivithin 3 days of re-disclosure. !fare-disclosu re ofa Tli statement is made within .3 dzys.of the lement Oale in the Agreement, settlement for the Prnpertyweuld have to occurafter the Settlement Date stated, Buyer and Se(le,r are advised that ftPR maybe changes} by more'than .7 25.percentliyfactors inciuding,hut not limited to, 5ellercredits, changes in loan amountar duration, and lenient ©ate change. If the Buyer and Sell@r agreeto modify ,he Settlement Date in respanseto tite'iiL statement wasting period, or for any cther :on, lt.shouid bq done ]n writing and v~ith the signaturssafboth partiES. '7 ~~/~ ~~ t~ C~ Sack of Page T Seller initials: ~~ _ Received: Mar 24 2011 03=50pm 03/24/2011 THU 14:49 FAX irc3380i 4014/021 r { 51:1NA6E NOTfCES.Ii~aragrap}r9:5e31er Regresentatfons} j TIQ9'ICES Pt)R5tIAtv57T.0 THE PENNSYl:VliNIA SEWAGE F}tCSLlT}ES ACT t: Ti{ERE tS htCs GURRENTCY EXiSTIf!fG CDMMUItitrrY SEWAGE Sl"5TF'Ui E AVAILABLE t;O13 THE SUH.IBCT PROPi~RTY. Sechon 7 afthe Pennsyivanla Sewage facilities Act prbvldes thatno person Shall instal€, construct, request bid proposa{s for cotsstruction, alter, repair or occupy any bu}acting arstrueture for which an Indivsdual sewage system is ro fie iriszaUed, witheutiirst obtaln'cng a permit.8uyer Is advised bythls notire that; before signing this Agreement, Buyer ShouSd tontactth'e Ioeat agency charged with administering the Act todetetmine thr groeeclure-and requirernentsfor obtaining a permit for an individual sewane system. The Local agency charged with admanistedngtht; Aczwfll.ba tf:e municiga(itytvhere the Propertyis €ocated or that municipal€tyworking caoperativelywith others. 2; TH35PROPEATYfSSERVICEDBYANlNDfVlDIIALSEVJAUE5Y5TfA34IN5TALLEDUT9D~THE'Tl:i3-ACREpERA4}'i'EXEMPT€t]N PktTFfISEdNS OF SECT€QN 3 OF'F.hll: Pi:NNSYLVANIA 51iWRGl: FAt: ELETiES.ACT. (Secrian 7 pravi"des that a pentlit may oat be required iiefore hrstalling, constructing, awardirtg a.rantract fvr const,•uction, altering, repairing, or connecting to an individual sewagesystem w3tere aten-acre parcel or lot is subdivided from a parent tract after January 14, }9.$7l, Buyer fs advisedthat soils ands€te tg5t3ng were nor condt!cted and that should :he systefn malfunction, the owner of zhr: Fropetay orprtipertles s~nticecl bytite System at~lhe time:of a rjtcifurletfottmay bP he{ci liable for any Contaminati on, pvIlution, pu6iic health hazard or nuisancewftlch attars as a resui;. 3: THIS PROPPRTY IS SE(tViCEb BY A HOCOING TANK (HERfJlANENT OR TEPlIPCtRA}tY) TQ WHfCfi SEtI+IAGE IS COIS4'iwYED SYA WATER CARRYfFCG SYSTEM AMID WHICH fS DFSiGNER AND CON5T8UCYEQ T[3 FACILITATE ULTiN€ATE DISPOSAL DFTi{E SEYJAGE AT AND'fi#ERSITE. Purstsanz to the Pennsylvania 5ewageFadlitfesArt, 5eifer must #rauida 3 history of fhe annual.cost oEma€ntaining tha rank from the date of ire installation or December 19, 3945, whichever is cater. 4: AtV1NDlVECUALSEWAGESYSTEMHASBEENIt+ISTALLEDAI`ANISOi.AT1O~fDfSTANEEFROiYiRW1~LLT'riATI5LE557€>AIV T}ii: Oi5TANCE SPt=Cllr3Et7 BY RSCiULATEON. ' Ths regulations at25 f3a. Cade §73.} 3 pertaining to minimum hatizontai isolationdiStanCes Provide guiiiance. Subs2~~ion ib} of §7,13 states thatthe minimum hor3zorrtei isolation distance between an indiv}dualwater stsppiy or water supply system suction line anc(treatmenttankg shall be 50 feet 5ubse¢lon (c} of§'13.13 states that theitorizontai isolation distance 4etween the individua! wazersuppiy or watersypplysystertt suction line ansithe-perimeter of fate absorption Brea shall :be TOD -;eet 'S: THIS COT I5WITHiN/l'IVAAEA}NWHTGHPER}ltlTl(M€TATIDL+I5AREINEFFI=~TANisiSStiBJ6CF'FOTFiOSEf.iIV,iTATiOfitS. SEWAGE FACi~fC}~5 RRE NOT AYA}LABI.E. FOR 7ti3S LOT A.ND COi95TRUCTit?N tl F A'STRUG`ftSRE TQ f3E S ERitl:l] BY S>:WAGE FRCII.ITiIcS fyAY• NOT BEG1N I3NTIk; THE MC}NlCiPAL,FfYCOINPLE'fES R NFAJAR PLANhIiNG. RECli3iR]:NlEhiT PUP~SURt~TTO THE PENNSYCVA N1ASE6'YAGE FAC}C}TIFS A,CTAND. REGt1LATIONS PROMt1LGA7i0 TtifiREUNDER_ i ,~ elier Initials ~! L._~ ~ E3uyBr€nitials: ~ ! i}ackvfpage2 S _ ...._.. ~' i t Received: Mar 2A 201'1 03:51 pm 03/24/2011 THQ 14:49 FAX irc336Di 40151021 tiEOFiCES fthGARDtN6 LANG USS RE57RSCTIOtsS (paragraph 9: Se13ar Represents#iotas) NaTIC]=5 puitSL1ANTTt7 THE PEt1~t5YLVANIA E?tGHF-70=F!{RM LAW f 3. P:S. ~ ~$t-gSyi Thatpropettyyou are buying may be located in an'area where agricultural operationstake puce. Pennsyluania protecrsagritufturai resoufCes forthe prti~uction offood and agricultural producu.Tha taw ilmlu clrcumstanceswhere normal agriculture! operations may be subject to nuisance lavvsu~ts or restrictive ordinances. FAt?NiLAl~ii) AuD FOREST l:ANi~ 1YSSE55M~NT ICifAi~l Ai1p GRCENFROC+RAA+I) (72 P,g. §~5d9D•4 efi seq.} enrolled in the CEean and Green Program re~elye preferentialtax asst;ssment. Notices kequlred by Seiler: A Seller of Property enrolled ir: the ClealS and Green Program must submit notice afthe safe and any prapesed changes in t! a use of Setter's remaining enrolled Property to thQ CountyAssessor 30 days before zl,etransfer of title to buyer. i. Natrces Required by Sayer; A t3uyer of Propett}r enrolled in the Clean and Greeri Program mttststJbmit notice afany proposed changes iluyer intends to.make in the use oftt,a PtopetYy being pwcttased to.ihe County Assessor ataeast30 days ptioYtqunderstand any changes. l.o ~ of Preferenttat Tax Asses,sment:l`hesale of Property enrolled In the :;lean and Green Program may result in the toss ofprogratr: enrollment ant the toss of ptefetentiat tax assessment.foY the propertyandlorthedarid oFvrhich it is a; part and from which it is being separated. Aemovai from enrollment in the Clean and Gress Program may resultin the charge of roll-backtaxes and interest.A roEl-back tax isthe difference in the amountof taxes paid under the program and the'taxasthat would have been paid.in the absence.of Cisan and Green enrollment. The roil-backtaxes are charged for each year that thePropertywas enratled ist the program, limited to the past 7 years. 1 Buyer and 5ellt:r have been advised of the need to determine rile tax Cmpiicatiorts t hat rii€i or may not r~suit from the sale of the Property Ya $vjres or that may result In ffte future. in arty chaHtga in use of the Property or fhe Land #rom which it is Being separated tsy contacting the County Tax Assessrrsent Office before the exetutiors ofthis Agreementaf Sale. OFL:N SPALE ACC 32 P..S. § 5004 et se q. I Ttii'!S Act enebtes counties to enter into covtrnprits with oyoners of land designated as farrrl, fores4 water supply, or.open space (and on an adopted munidpat, county or regional p{an forthe purpose of preseruirigthe land as open space. A covedantberiVeen the owner acrd county is binding upon an~ Buyer o€the l'rapertydoY~ng the period of rimethatthe tovenantis,in effeC f5or to years): Covenanu autorrtaticaliy renetiv at the-end o£ the eaV,enanrperiodunless specific ferminationnotice procedures at'e followed: BUjler atknowledgeszfrat zhe purchase of Fropertyfor whicit tftere Es•a cavenantwill notextingulsh titecavenant andzhata change in zhe use of the fan to anyother use otfrer than tttat{JesIgnated in the covenant wil! constitute a breach. When a iareach of the covenant occurs, the then-owner is recrurred to.pay roll-back taxes•andinterest. Arata-taacktax is the difference. in the amountaftaxes paid and~the taxes that would have been paid :rr tlt~.absence of the covenant.7he roll-backtaxes are charged for each year that th e Prapetiy wa s sub;eet to the covenant, Iirimited to the past 5 years, Boyar has &een advised of the: rseed to determine•ftte restrictions That wiU appiyfram the sate of the Property to Stcyei• and the tax im}ilicatiansthat wiEl or may result€rarn a change in use of thePraperty, orany portion of 3t. Buyer i5 fuither advised to tleterminetlteterrn of any covenant rcow in effect, 11._. 8ackoE~age3 SellerinitlaSs:~%£~~-~/ initials: ~_„__, Received: Mar 24 2011 03=51pm 03/24/2011 THU 14x49 FAX irc3380i [3}Olo/021 I t 1 No7'tCi=`: REGARDING PROPERTY&.EKVIRONA4ENTAL INSPEG7i0A1 ~ {Paragraph 1 is tnsp:ecti ons} l E.xierior insulxtiorr and EitiisSt Systems (i:1F5): Exterior insulation and ~inlshSystems- sornetlmes referred io as synthetic stucco --are multi-layered wa~1 systems applied to the es:teriorof some names. Poor or improper iristaltatfon of EIfS may result In moisture penetsati ng the surface of a structure svh~re it ritaycause•damage to the building's frame. Leakage rtiostfrequently occurs Dear doorsard w#ndoivs, gutters, the roof connection and. at the tavfiermost edge o; the exterior surface. Uuinerabilityto leakage depends on stn:cture design as welt as the expertiseand application sklis ofthe contractor. Damage caused by water intsuslan maybe Both extensive and.eXpt=nstve to repair butmay gn and erected in the absence of an adequate iris~iettion. Buyers purchasing homes with EIFS construction may seek to engage an inspector experienced in testttig for EfFS-related probierns wfio can determine the r'noisture contestt of the buiid#ng's'fraine. L .. . As~iestas: Tfie heat resistantand durable nature afasbestas makes ituseEul tn. construaion.7he physical properties that give asbestos its resis[ancz to heat and decay are finked with several adverse health e#feas. Asbestos can easi3y i7reakinto rnicrascapicftbets thatrernain suspended <n.the air far forig periods oFtime. When inhaiec, these fibers easily penetrate body tissue. /`,sbestos~is knownXo cause Asbestos'ssanur various forms of canter. tnquiries or requestsfor-more information aba•.Tt asbestos:can be directed to the U.S. Envtronrnental Protection Agency; Ariet.Rios Building, T2oo Pennsylvania Ave:, NYC., Ytrash#ngtori, D.C. 20460, andlor the DepartmenTnf Fleatth, Commonwealth of Pen ttsyivat^ia, Division of Envircnmental Health, Harr#sburg, PR 17120_ irtei~ctromagneYic Fields. Etectromagnetlc Fields (fM~s} ocr<u>• arouttd'dtteleCtficai apRllancesatxci poweriines.. Conrlus'Ne ~vicience that ~MFS pose heath risks does not exist at~present, and Pennsylvania etas no fawn regarding this issue.. 1 EnyironrtsentafHxzards: The U.S. Environmental ProtectiQtt Agency has a List of hazardous substances, the use an{i'dispasai of with are restri~ ed bylaw. Generally, ii:hazardoussubstances arefound on a.ptoperiy, it tsthe propertyowner's responsibility to dispose of them properly. For mose Informatibn.and alist ofhazardous substances, contact the t15.'Envitanmenta! Protection Agency,Arie! Riosl3u#?ding 1200 Pe;srsylvania Ave., N.W'., 41r~sitingto.n,.D.C..20450, {202} 260;2090- W BtTands: wetlands are protected bythefederal and state gbvernm~ts, Buyer may wish #a hire an environmental engineer to investigate wtrether the Propertyis located in a. wetlands areato--3etermine if perrnlts far plans to build, improve ordeve!op the property would •be affected or den9ed. beiause of its location, in a wetlands area. lt1ititd, Fungi and fridoor Air L2uality: indoor mold contatn(na:ion and the inhalatirsn of bitiaerasols (bacteria, meld spores: pollen anc virusesl have beers associated vAtkt allergic responses including upper respiratory congestion, Cough. mucous memo€ane Irritation, fever, chills, muscle ache or otijer transient inflammation or atfergy. Claims ha'ae beQn asserted~that exposure to mold contamination artd bipaerosals f~as led to serous infecG:on, iminunosuppressionand il.Inesses ofneuro or sysiemictoxicity. Sampling of lndooralrquafity and other rnettiod s exisrtP determine the presence and' scope of indoor contamination. Because inn"ividuals may be 2ffscti;d ditferettfiy, or not affected arali, tZythe presence o=`rtsold or other 6ibaerosoif, But er may svish4o engage *.he services• of a qualified preFessionai to undertake zn assessment andlor samPlirtg of the Property. Assessments and samplings €or the presence of mold and hioaeroso[s can #ae perfarrrsed by cluaGfied industrial hyglepists, engineers,•laboraiories and' name inspector conparites that offer these services. Information about indoor air Guatity Issues is availaialethros~gh the U5• Environmental Pratectie;r+. Agency and may be;obtained by Contacting lAQ INFD, P.O. Box 37133, Washltsgian, t7.G zao13-7133,1-8Gf}-438-4378. Radon: Radon is a natural, radioactive gas That isproduced in the ground bythe normal decal nfuranium and radiurn.5tud•,es indicate tltatextended exposure to hlgt~ levels of radan-gas can increase rile riskaf lung cancer. Radon can f nd its way into any a it-space acrd car permeate a structure. if a ho',use has~a radon piob{ern, it u'suailyGait be'~ured byincreased venu7atonandlor by prevent7r-rg raddn entEy,ArtY person, who tests, mit#gatesar safeguards a k~uilding for radon In Pennsylvania must be cetEifed bythe Department of Environinental.Protection. Enfarmationabout radon and about certified tesdng or mitigation firms is available through departmehtbf"rnvhonmental Protection gateau df Radiation Protearon,l:3th Floor, Rachel Carson State Offr<e Building, P.O. Box 8489, Harrisburg, PA 17105-$469,. (80t)) 23RADON or{717} 7833594. wv~sv.¢pa.gov NOTIL`ES REGARDING Rl;SiDE-VTWLf.&AD-BASSO PAfN'r`HAZARD REI'sUC7t^N AC7 . (Parograph 11:•ltupertirinsl Ledd-Based Paint.Nazardsl~isciosureRequirements (for properties built before 1978}:'rho Residential Lead-$ased Paint 3-Iazard Reduction Acx require5any SeRerbf property 5uilt before 1978 to provide the Buyer with anEPA-approved lead hazards inforrnatian pampftlettitied Prorecryovr i=ofrrifyfrom Leed irrYourHome and to c'Esctose to the Buyer and the.broker(s}the known presence of lend-based paint andlor Lead-based paint hazards in pr an the property being sold, along with the bass used for determining that the hazards exist, the location of the haze ids, and the condition of paintedsurfaces.Aay Sealer of•apre-1878structuremust also provide the Buyerwith any recgrds of reports available tc the Belies regarding lead-based pa"smand/or lead-based paint hzzards in orattautt;teproperty being sotd,the common areas, orothcrresidentfaldwell#ngs in mulif-lam#lyhousing.. Before a Buyer is obligated tn.purcfiase any housing constructed prlorto 787$, the Acts'equirestite Setter to givethe8;kyer 1 o days (unless Buyer and Seder agree in writing to anothertlme period) to conduct a risk assessment of inspection'for ti:e presence of lead-based pain: and,ror lead•baszd pain: tta~ards.7he opporcuniiy to conduct a riskassessment or inspection may tre waived by the Buyer, in writing. tr!either testing nor abatement is required afthe Seiler. Housing built in i 978 or lateris not subject to the Act. `~. f,,, it` Seiler initials: _ ~~ ,+. tiu~rerlnltlats; /_ Back ofPageG i Received: Mar 24 2011 03:51pm 03/24J2011 THU 14:50 FAX ixc3380i03.017/021 urchaserofan interestin.residentialteatpropertyonwhictta LEADthRRNiIYG S7A'fEM~NT (FOR PROPEStTiE5 BUILT $EFOtttr l97$) Every p Y residential d~ve)ling was built priotto 1978 €s notified that such propertyfrsaypresent exposure to lead from lead-based paint that may;-lace young chi~dreh at risk of developing Lead poisoning, Lead poisoning in young children may produce permanent neuro3agicai damage, includinglearniny disabilitl es, reduced intelligence quotient, behavioral problems and impaired t>iemory. (,cad pgisani.ng also poses a pa:TiCUiar rlsk.to. piegnant women.The Seller of any interest in residenifa! real propertyls required io provide the Buyer with any informaticn or.lead-based paint, haxards from rist~assessmentsor inspections in the Seller`s possession and nodfythe 8uyetof any known lead•based paint hazards:A risk assessment of inspecion for}~ossibie Lead-based painthazards is recommended priotto purchase. NO'(1CE REGARt71T1G7H~ HOMii ttVSPECi"fON t-AiAr {68 Pa. [.S.A. § 75a't, et.seq.) (Faragraph 41:lnspecfions) Applicability: The_Yiome Inspection taw applies to "residential real estate Lransfeis," defined as a sale, ex<hsnge, irsstai tment sales. contract, lease with an bptlon to buy, grantor other transfer of an interest in real property whole NpTLESS 7h1AN t]J~t>; glVb NC37 PACiRATHAN FOUR R~51l3EtV71AL DV~ELLINC~ UNITS are involved. (See lrtformation Regarding i'tte Aeat fstateSelEer Disclosure Law (e><capt}oz7s 1.8} for a list of excepticns to this general rule.) Th"~toi3owing definitions are: taken from the text of the kiame Inspection Law f Hoirre Inspection: A noninvasive, srisual,examination of some cpmbina6on ofthe mechanical, e}actr"seal at pluriitsing systerrts or the strueturai and ~ssenfialcoinponents of"a reslderitiat dwelling designed tc fdentify material defects in those systeMs and com portents, and performed for a fee in cor~ne<tion vdth or preparation for a proposed orpossible resident)ak rt=.ai eriatetransfer.'ihete~m also includes anycorsuiLation regarding the property that is represented to be s? home"tnspectlon orthat isdescribed hyany eonfusingty similar term,liteterm does trot include zn examination of a single system orcomponent of a residential dwelling such as,for example, itsetecirical or plumbing system orits raof.The term otsc does not include an ~camination that is limited ,to tnspectton fbrc of af, one>,rmore of thefott6wing: wood-destroying insects, underground tanks and wells, septic sys44`errts,swimmingpoolsand.5pas, alarmsystems,alrartdwatetyuality,tennlscouitsanc+playgroundeGui'prnerit pOiluiants,kox<ccemicaisard er;~};ronrnentat hazards. The~scope of a home lnspection,the services to'be perfarrrred and the systemsend condtt+ons to be jtupecte3 or excluded firoin inspection maybe defrreed by a contract between the borne' inspector aril the client. f lio~rre inspection report: A wr'sttenYeport ein the results of a home inspecG4n. A•horne inspection reportshail9ndude: t;1 } A description of the s~pe of.the inspection, indrrding without ittnttation~an identifkatlgn oftl~e structural elernents, sY`tems and subsystems covered by the report- (2) Adescription of any material.defects noted during the tospecttbn, along with aryy recominendatfon that certain expees be retained to x dererininetheextentofthedgfettsand.anycarfectiveactiottthatshauicthetakera.fl"mateimtdetoa"thatposesanunreasonahie risktr_ ~ people on the property shall beconspicuauslyidentified as such. A tiQme inspeciorshall not express"either orally or in writing an estimate of the cost to repair any defeck fotand drsringa home inspettien, exceptthat sucn an estimate maybe included in a home irtspectian rsportif; ~ (1) the reporridentilses the source of the estimate; t2) the esti~,ate" is stated as a range ofcosts; and } (3)the"repartstates.tnat~the patt)es shoutd cottsldeC obtaining an estimate From= a Corrteacfor who performs the type ofrepair irrvoltted. Seller siwil have the right, upon request, to receive without charge a copy of arty inspection repon frotr:th~ party for vrhom it was pirepared. [ttspectos: An individual who performs a home inspection. iatlonat home; inspectors assaciationt Any naftonat assodatlon of home.inspectors that: (t) fs operated on anot-for-profitbasis and is not operatedas a frarichlse. (2) Has members in more than-tenstates_ (3) Acquires theta person maynotbecame a full member unless the person has performed ar participated in mpcethan i00 home•inspettian=_ and has passed a recogttized or acuedited examination testing.icticWiedge afthe pfoper prQCedures fosconducting ~ home inspection. {4) Acquires chat its members comply vritft a code of conduct and attend continuing professlcnai edut:atian classes as an ongoing condition afinemhership, i a f {uyer shalt be entitled to rely to good Faith, without independent investigation, on a written represerstation by ahome inspector+:'r,at the home ns{pectoris a foil member in good standing of a national home inspection assodafion. of `teriaf defect: Aprcblem with a residential teat property"orany gortian of it that would have a significant adverse impacCOn tY:'e value of the ar~perty or that involves an unreasonable rlsic to people on the: property.The fact theta structural eleittert, system or subsystem. is near, at or beyond `hq end ofthe nerma' useful iife•oi such a structural element, system orsubsystem is notby itseifa material rlefed. f + ti t _ ~~ 1 ? ' ~ ~~ ~ SaclcofPageS Seilerlnltiais; ~~, Buycrlritials ~} .,...f. , ..._ E } Received: hoar 2A 2011 03:52pm ~p18/0z1 031?~13a11 TBU 14:50 FAX irc3380i NOTfCES REGARDkNG Lt7ftiiDOMiN€UtvI5.At3D PtANNEDCOiV:MUNtTiEs (paragraph 14; CandominkumlP.karinedcommunity (Homeowner Association) Resa€e 1`ioticel ' Dpfinltfan ofa Gondarniniurit CE~ ;,=niform tondo;nintum Act defines a "condominium" as real estate, port[ons ofwhich a;e designatedfar separate ownership and the remainder of which is designated Ybrcorriman ownership solely byfhe ovmers ofthase portigns. Real estate is not a condominium unless the undivided fnterestsin the` common a#emerits are vested in the unit owners. r t Definition afa Planned Communrty Th ~ Uniform Planned Community Act definesa "planned community" as real estate with respect to v/hlcha person, tzy virtue of ownership of an interest in any portionof the real estate, is or may become obiigatedbycovenant, easemantor agreemeriitmposed onthe owher'ssntesest topay any an-;Duet fo't real property faze;,insurance, maintenance; repair,improvement,,tnznagement, zdminfsY.ration or regulation of anypart of fife real estate oti~erthan the-portion. or(nterestawnedsolelyhythepersaaZ.Theierm exckudes a cooperativeand a coi:domdnTum, but a cooperative or condominium may be part of a planned community.!=arthe purposes ofthis definRion, "ownership"includes holding a leasebofd fnterest'of more than 20 years, ;ncluding renewal optioru, in real estate.The term.kncludes non-residential campground commpnities, inxemptkons from the Uniform Planned Camrrtunity Act arrd the Uriifprm Cdndomintutri Act: YJhen a Certificate of Resa{e I s Not Required Th ~ owner of a property lacated.within a planned community is not requ?red tgfumish the buyer with a iertificata of resale and er thr; foilow}ng i:irdrtmsiances: ( (i}The planned Community/Gondorninium contains no more than i2 units, provided there is no posslbilfty oFaddinq real estate or f subdividing units.to increase the sizaof the planned community or condomium. 1 (2) 7Yie Planned CommunitylCondominium is one in yJhich aF1 of the units art restricted exclusivefyto rton-resiCtentiai use, unless the dedaration prov'cdes thatthe resale provisions are ne.!erthetess to 6e foifowed, (3) The Plaisned CommunityfCondominium or unirsare iocateck outside the Commonwealth of Pennsylvania,. (4) The transfer df the unit fs a grdtttitous transfer. t (5}The transfer of the unit'€S requited 6g court order. 1 (fi}7he transfer of the unit is bgthe.gavetnrnent pr a gavemmenta(agency. (7}The transfer of the unitis the result offoredosure or in lieu offoredasure. fsoti[es~Regarding Rubl€cdffering 5.tatements and #flght to Eiescissian Statementand tf seNeris a Oeclarnnt ofthecondominium orplanned-community, Set€er [s tequued to famish Buyer with a [opy of t€~e Puralic Offering (CS amendments. For condominiums, the delivery. of the PeibkicOfFering Statementrttust bemade no laterthan tbedate the buyer es:ecutes this Agseenient Buyer may cancel-this Agreement within 15.days aftel•recekvkng~he Public offering $taiement and anya mendments :hat materially and adversely affectBuyer_ Forplanned cammuniries, the Declarant must provide the Buyer wish a.copy,of the Public offering Statem=:n. and its arrjendments nb lacer than the dale flee Buyerexecvtes this Agreement. Buyer may tercet this•Agreemert ivit4dn 7 tlays~iter receiving the Public Oi£ering stafement and any amertdme_nts that materially and adversetyaffect Buyer. 1 3 NOTICE5 REG'ARm€NG RECft1=ATfO39A€.CAB€t+t5 !Paragraph t5:7itle, Surveys Sc C45ts) t Thefoitowingde.''iinitionsandrequirementsaratatcenfromthepennsytvania+»ons#ruction-CadeActI35PS.§7~)Q•tat a`+•sec(.} f R F~eueatiana€ Cabin is a structure which is: f (tj Utilizedprincipafly, forrecreationak activity; i {2)Notµtilizedasadoi7iicilearresidenceforanyindkviduaiferanyiitneperiod; t (3} Not utilized forzbrimmeiciaf purposes; i (4)1~lotgreaterthan two stores in kteigh6 excluding basert:ent; (s) Not utilized by the owner or arty other person as a pace of employment; (b).Nbt a rpailing addressfor bills and correspandence;~nd p}.Nbtlisted as an lndividua!'s piace.nf residence on a tax return, driver's Elcense, car registration ar voter registraF~an. Aresreatianakcabin maybe exemptfromtheprovfs3pns ofxhepetrnsykvattfaConstruction Code;Actfft ~ {t}7hecabfnisequfppedWithatEeascone~mokadetector,onefiteeXtinguishersndonecarbonmonoxidedetectorinboththakitchenana steeping quarters; and (2) The owner ofihe Sabin files with the municipality either: (a) An affidavit an a form prescrbed. by the Penrisylvanfa Department of Labor anu' Industry attesting to the to ct that the cabin maers the definition of a 'reveationat cabin." in Section t 03 of>ihe Act; or (b) A valid proof ofinsurancaForthe recreational cabin, written and issued byan insurer authorized to do business inihis Commonwealth, statrng thatthe structure meets.the deiznition of a "recreational cable" as defined in Section tg3 of the Act. if recreationak cabin is subject to exclusior+tram ttiePennryivania Construction CpcieAct, upon transfer of ownership of therecteationaf ca in, writtenaoticemusttseprovidedinthesa3esagreementandthedeedthattherQCreationafcaf}in: {7) ]s exempt from this AcY; (2).May not 6e in <onformance.witkzfhe uniform construction code; and r (3}isnotsubject toinunicipalregulation. Fa;fureto camplyw!th this notice requirement shale! render the sale votdabke at the option ofthe purchaser, t ~. ` ~~ f~ 1 ~•'~ Back ofPage6 Selfer!nitta!r...~ 1^~._.._- Suycr 1nltWis: ~_._._ ~ _...._.____ . tF1 Received: Mar 24 2011 03:52pm [~jo l i3 / 0 21 03/?412011 THU 14:50 FAX irc33B0i NOZtCESREGARDtNC MECJIA710N'(Paragrapfi 23: Ntediatiair} HOhSi: Sl:LL6A5! NOAgE BtJYERS tlISPU7'1: RE.iOLtl7lt)t4 SY$'fENt ktJt.ES Ai`+tD pROCEDUiiF5 1. Agreement ofParties The ftitfes and Proceduresof the Dispute Resolution System (DRS}apply when the parties have: agreed in writing to mediate under DRS_?he ,stmen ag reernent tan be achieved by a standard cla use it± an agreement of sale, an addendum io an agreement of sate, or through a se aratewriitznagreement. 2.t itiation.fl#MediatlanlfadisprtteexistsJanypartytiraystarcthemediadonproceisbysubmlttinga.campletedRec{uesttolnStiateivlediat[onURS Tra smiital Form {transmiltaEForm} lathe Iflea1 Association ofREALTt7R5" (hereafter "Adrninistr-atar').7he7ransmittal Farm should be available thr ug}t the Adminisfratar's offoe.'1'fie inltiattng party should try to indudethafoIiowing information wherseRding the Completed TY:insniirai Form to the Adrtiirsistrator. i a. A.capy ofthe wrirtet} agreatnenrto rttediaie ifthete }s ytle, ORa request by the lnitiatipg gartyto have the Adrniristrator ceraact thr_ other jk paftiestothedisputetoiflvite.them'rojbintheirediationryrotes5: b. The names, addresses and telephone numbers ofthe parties involved in the dispute, indurling the name of every insurance company knrnvn to have received notice of the dispute or claim and the corresponding file or claim number. # c. AbrieFstaternentafthefactsofthedisput@andthedamagesorTeliefsougfit. i 3.election of Mediator Within five days ofrecelvtng the campletedTransmittal Farm, the Administratotwillrend each pattyta the dispute a copy of thes7ransmitt~l ,Form-and a list of qualifgd me di ators and their fee schedWe~•. Each party rhen• bas ran days to review the list o€ mediatt~rs, cross of` the nat~e of any mediator to-whom the pariy'nbjects, and.return the Hsi tatheAdr;rialistrator~The Rdminisuator +,vili appointthe f+rst avaiti:t;ke mediator whp is acceptable to a#I parties involved. R rr'lediatorwho has any financial orpersonaf interest in the dispute orthe results ofthe'mediation cannotserve as mediator to that dispute, unless al! parttes are informed and give theirvritti:n consent. 'i 9. mediation Fees Mediation fees w>C€'be divided egtiaRy amongthe pattiesand will be paid beforetlte mediation cohference.Tne parties will follow thetpayment terms contained. in•tlse mediator`s fee schedule. s 5. Time and Piaceo# Mediation Conference iNith7n ten days'Af Be}ng appointed tothedispute, the mediator Witt Contact the parties ant set the date: time and plac>r afthe mediation conference, the medlamrmustgive atleast twenty days' advance notice to all pa rties.The mediation conference shaufd not be mare than sixty days from the med.ator'ri3ppolntmentto the dispute. i G. Conduct of fvTediation Cnnferen<eThepartiesattending the mediationtonferencewiit be expected to: a. Have the authority to enter into-znd sign a binding settiementto the dispute, j b Praduceallnformationrequtredfo~themediatortounderstandtheissuesofthedlspute_The."snformationmayinciuderelevantwr'stten i materials, descriptions ofwitnesses•and theeontenCOfthelr testImony.l"he meisiator~can rerlui re the parties. io deliver written materials gad information befat8 the date of the madtatlon Conference. The mediator presidi~q aver the conference: i a 'Hill impartially corx{ucCan ardedy settlement negotiation. I b. Wi11 help the parties define ttte.matteis In d(sput~ and reach d mutually agreeable solution. J C. Will have no authority to'renderan opinion, to bind the parties to his or her decision, or to foray the parties to reach a setsiemeht. rtties'of evidence wi"sl not apply fo the mediation conferences. i 7. FiepresentationtryCounset Ariy party who•inten6sto.be•acbomparsied to the mediation ccinferente iiyf egai counsel v;4ii notifyYne mediator and thaother parties of the intent at least ten'.days beFare the conference. 8. ironfidentiafity No as~tt of the mediatioh can be relied upon of invaduted as evidence in any arbitration„uaiciai ar other praceeding.This in[~udss, but is notiimited to, any opinions or suggestions made~by any party regarding a possible settlement; any admissions made during the course ofthe~mediation; anyproposals or opinfons expressed bytfte meiiiatar, and any responses given by any party to apktions, suggestiaru, crproposais_ tvitl be affected by disclosures made in the course of the mediation.. Trajtscriprs or recordings oftha mediatiors wiH'no; be•ailorn<ed without the prior, written consent ofali pa~iies and the rriediator. Records, reports, and other documents received ar prepared by the mediator or AdmSnlstrator cannot beCOmpel[r'd liy an arbitration+, judicial, cr athar pr ~ceeding, with the exception of an agreement that was reaCfoed in thecaurse ofinediation and signed by ai[ the parties. Neitherthe rnediatar nor the Administrator can be compelled to testify in any proceeding regard ing in€ormation giver o,* representations made either in t~te course a€ the mediation ar in any confidential tamsnvnlcation. ~_ ~ ediated Settlement When a dispute is resolved through mediation, the mediatorvrlll puttha_complete agreerneni to writing and all.partieswi!( rig thewritten agreement vtithin ten days of t#re wndusion of the mediation conferen«. Evaty reasonable effort wi;S 6e made to sign the :vritten ao !cement at the end of the tonferen re. 4o iJudic'sat Proceedings and Immunity NE1T}}Eit 7fiE ApMli~1}StttATOR,TH"c hlIEDiATOR, 7HE NATIONRL A5SOCIATION OF REALTORS°,itiE PENtsISYLVAN;fi ASSOC IATiON OF"REALTORS`, N03i ANY OF ITS MEMBER BOARDS, WILL SE DEEMED NECESSARY OR iNDiSPENSABLE PARTIES IN ANY JU[QILiAL AROC.EED?NGS RECATINGTD MEDIATION LINDERTH65GRULES RW£~ PROCEDURFS,M1IGR WiLLA~IY QFTHE'.-V15F.RVlNG IJNDeR t71ESE PROCEDURES BE LIABLE TO ANY PARTY FORANY ACT, ERROR qR OMf5510N IN CONNECTION WITH AIVY SEAVSCE ORTHE flPERATICN OFTH%'HCME SELLER5LHOME Bt~~ERS D1SPl~T£ RESOLUTION SY5T5M. `"~~ ) Buyertnitials:~ ~V! BackoFPage7 Sellerlni;ia)s: ~~.~(._ t 7 Received: Mar 2d 211 03:52pm bozo/ozl I)3/24/2t)11 THU 14:51 FAx irc3380i i NOTt~ES~Fti"sCrR12©t!~G TtiE REAL ESTATIr 5E1.i ER DfS€Lt~SURE LAW (Page 17: Signature Fagei The Real Estate Seater Disdasure Law requires that'liefore an agreemegtof sale is stgnQd, the Setter in a residential real estate transfer rr:ust make certa"sn disdosures regarding the Wroperty to potentiaE Buyers in a fnitn defrnesi by the law, A resldentlal rea! estate tr-ansfer is de#ined as a sale, exchange, installment sales contract, (ease rlith an option io Y:uy, grant another transfer of an interest in neat property vdhers FdOT LESS THN ONE AND NOT IviORETF;;AN FfstSRRESIDENTIAL dW1=1L3NG LiN1T5 are involved. Th Law defines a number oFexceptions where the. disctosures do not have to be made: 1. Transfers thatare the•result of a cflurt order. l 2. TrarisferstoamortgagelenderthatresultfrotnaBuyer'sdefauttandsubsequentforectosuresalesthacr2suitframde~ault. 3. Transfers from a, co•awnerto one or rrtoreother co=owners. 1 q. TransfersrnadetoaspouseordirectdesCendant. s 5. Transfers bettiveen spouses that Pesult frtrm divorce, Legal segaratian syr. property settlement. 6. Transfers by a corporation, partnership or other associai~on to lts.sharehaiders, partners ar other ec(uity owners as pari4f a plan of liquidation. f 7. Transferofapropertytobedemolishe~lorconvertedtorion-residentia4use. 1 8. Trarsferof~nlmpravedrealpfoperty. 9: Transfers by a iiduclary during the administration oFa decedent estate, guardiansfiip, ronservatprship ar trust. Td. Tranifersefnew.canstruciio:tfhath35steverbeenoccupiedwhen: a. Thp Buyer has received aone-yearwarranty covering the construction; i b. The building has been inspected for comptiancewith theapplicable building code or,.ti noga~ a nations{ly recogniF_ed model building code; and c. A certificate of occupanryor a.cen:ificate of code cornptlance has beer, issued far the dwel€ing. 1n ~ddition to these exceptions,disclosures for contiamiNums andcoaperativesare Itmi[ed~to the 5eiie:'s p~rii<ular unit(s). Disctosures regardiryg cdrhmon areasor laatities are not required, as those etement; are alreadyaddressed inRhe laws that govern the resalE or'-condominium and coc)perative ~terests. f3uyer iri:ials: I ~~. _i back of page. S v~ Sel!erinidats:, / Received: Mar 24 2011 03:52vm 03/24/2011 THU 14;51 FAX isc3380i X021/021 ~i1v5IDEh1T'tAL LEAi~-BASE©~A[f~T EiA~ARDS ©lSCL4SUR~ Fb~iIN This form recommended and approved Eot, bur noeresvlaed to use by, membersnf the PennsyivaMa Association of REALTaRS' [PARf- ~HIS ECiR~tt iYtUST'BE EOftAPLI:'CED FOR p,yy FRUA~ft3'! SUIt.7 PRIOR TO 'I97g I. PROPERTY Z $!<LL1:R 504 Aiisort Avenue Ruth L. Speraw Mechanicsburg PA LPp ;7055 3 ~ t£Ai? iNARA€iNG STATEMEl~T 4 Every~purchaser of any.lnmrest tit resideafial real property art whlrh a residentia€ dwelling was bu€kt priarao 1978 is nntifed that 5 such property inay present exposure to lead from lead-based paint#itac'may place yaung'chi(dren at: riskofdeveloping lead pAisoning. 6 Laadpoisoninginyoungchiidrenmayproducep.ermanentneuratagicaidamage,Includingleamingdisabifities,reduced 7 i intelligence quotient" behavioral problems, and impaired memory. €.ead poisoning alspposes a particular rislcto pregnant "amen. $ i The Seller of any }nt@rest in residential real property is raga€red to provfdeth~ 6vyerwith any 7»formation on lead-based pa+'nt 9 I hazards from risk assessments orinspeaians in tfte Seller's p.ossessian and notifythe Buyer of any known Lead-based p'alnt hazards. 70 ~; A. riskassessment or inspection farposslbie fe~4i-based paintbazards is retamrriet-,ded pr€orto purchase. _ Z 1 5£f_I.ER'S BISGLO5U3~E 12 ~~,~ 5ellerhastioknawledgeofthe-presenceoftead-basedpai:lt andlorhaiardsinorabauttheproperty. 13 ___._•,-_/~ Sailer has knowledge of rite presence oflead•based paint an'd/or teed-based #iaint hazards in or about the property. iProvide 74 € the basis far determisvngthat €ead-based pafn:and(or hazards exist,,the location(s); the condition of the painted surfaces, and 15 otneravai€ableinfarmat€onconcemtngSeller'sknow€edge•ofthepresenceofiead-based paint and/ortead-6ase:dpainthazards.l 7& ~ L£Ii'SIiEC(7RDSIRt;PRRTS 7 7' ' ~r 5e€ter has norecords or reports pertain'sng to lead-lased paintandlor lead based pa"snthazatds in of aboot tEte Property. €g J___._ Selierhaspravided8uyertvithaliavallab{Eretordssnd.re{~ortsreg;srdingiead-basedgaintanUlorlead-based F:ainthazardsin i 19 oi'abo:at#hE•Properry.~Llsttfacumertfs): '-'-'~'--- zo ` =~ 27 ! Seltercetxifiesthai.tothebest~of5eiier`sknowledgetheahavestat int are rye r1d ct~rate_ SELLER ~. .T. I3AT7: ,j c~~ >'I z2 W}Tf~i65S T1RT$. z3 VS7iTNE55 5>wLt.Efi SELLER . ,~ DRTf: -~ 24 WETNESS. 25 AGI:NTACKNdWLEDGEIN.ENTANI?CERTJFICATic3N 26 Agent/Licensee represer~;s'thatAgent has €nfarmed Seilerof Setter`s abligatiahs uncle; the Res'sdentio; Lead-Bsed-Patnt } 27 Hazard f7ednction Act, 42 US.G.?3a85zid1, and is aware of Rgeni`•s responsib€€ity to ensure compiiance• ~g Thefoitowinghavereviewed`theinfomation•aboueandcectifythattheAgentstatementsareiresemxhebastoftheirknow3edgf=andBei:aif. •Z9 Se€ierRgentandBuyerAgentmust6othsignthLsftirrtt. 3~ SRQlCER FOR SELLER (Comysany Name) DATE 37 LICENSEE ; 32 gROKERFOftSUYECi (Company erne E,_.~£-~~ 8~ ~ ~.DA7.E 33 LICEN55E ~.v' ~ ^ 'J r 34 SuYeR Steven F. Rowe 3$ AATEt3FAGRE6M>:i`1T' __._ 35 SU~`~EIt'S ACKtti0yit7_EDGfv1ENT 37 ~-.•J---~Quyerhasrece'svedthepamph4etProtecrYourFamtlylramLeadlnYourltomaandhasread.theLeadVdarning:itatement. 3g Ja'.~ /„~ Buyer has reviewed5elier'sdistiosureofkaownleaG-basedpaintand/orieadbasedpai.^.thazazdsandhasreceivedtherecords.} 39 and reports regarding fend-based paint andlor lead-based pain# hazards Ident€fled above. i A4 Buyercertifiesi'rsatfathehestofBuyar'skrraw€edgetlte hov st~teinentsaretrueandatcurate. ,~(~,, f~ BUYER ~ ~..-•...-~"`~~^~.-..,. DATE --? `~~~~/ _.___~__ 47 WITAi£55 f _Y.-- Da7E~ _ 42 WITNESS BVYEIi DRTE---_1---~ 43~~-WITNESS. BilYER __----------=-=-_- 1P~~ Pennsylvania Ass~ciat'san of F~1=AL7C)RS~' 7fio k ~~~~, OMB Approval No. 2502-0265 I~ ~ ~~€~a':•~i A. Settlement Statement {HUD-1) ~.,~:~ ~:;,, j FINAL ~~_ _, - « a; 1. QX FHA 2. ^ RHS 3. Q Conv. Unins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number: 11-0177GC 234830854 4460712061703 4. Q VA 5. Q Conv. Ins. C. Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agents are shown. Items marked "(p.o.c)" were paid outside the closing; they are shown here for informational purposes and are not included in the totals. D. Name & Address of Borrower: E. Name & Address of Seller: F. Name & Address of Lender: Steven F. Rowe The Estate of Ruth L Sperew, Kathy S. Chaney, Bank of America Execute Attu Enterprise Closing Prote, 6400 Legacy Drive MS: TX2-972-,Plano, TX 75024 G. Property Location: H. Settlement Agent: I. Settlement Date: 05/03/2011 504 Alison Avenue Guardian Transfer Corporation Disbursement Date: 05/03/2011 Mechanicsburg, PA 17055 4075 Market St., Camp Hill, PA 17011 Mechanicsburg Borough 717-614-4098 Place of Settlement: TitleExpress 4075 Market Street, Camp Hill, PA 17011 Printed 05/032011 at 9:03 am by JMG ..~, a 400. Grosa;Amount Due from Borrower 400. Gross Amount [sue to Seller 101. Contract sales price 158,000.00 401. Contract sales price 158,000.00 t02. Personal property 402. Personal property 103. Settlement charges to borrower (line 1400) 8,161.87 403. 104. 404. 105. 405. Adjustments for items paid b seller in advance Adjustments for items aid b seller in advance 106. Cityltown taxes to 406. Cityltown taxes ~ to 107. County taxes 05l03/2011to 12/31!2011 532.69 407. County taxes 0510312D1ito 12131!2011 532.69 108. School taxes 05/0312011 to 06130!2011 300.15 408. School taxes 0510312011 to 0613012011 300.15 109. Sewer (AIM/J) OSI03/2011to 06/30/2011 48.63 409. Sewer(AlM/J) 05103/2011 to 06/3012011 48.63 110. Refuse(A1M/J) 05/03/2011 to 06/30!2011 28.09 410. Refuse(A/MIJ) 05I0312011to 0613012011 28.09 111. 411. 11 Z. 412. 120• Gross Amount Due from Borrower 167,071.43 420. Gross Amount Due to Seller 158 909.56 200, Amounts Paidby or in Behalf;ofBorrower _ , - 500, Retlucti0na 1r1 Amount Dua to Seller 201. Deposit or earnest money 2,000.00 501. Excess deposit (see instructions) 202. Principal amount of new loan(s) 153,994.00 502. Settlement charges to seller (line 1400) 11 983 45 203. Existing loan(s) taken subject to 503. Existing loan(s) taken subject to , . 204. 504. Payoff of first mortgage loan 205. 505. Payoff of second mortgage loan 206. Page 2 credit from seller"'* 89.00 506. Page 2 credit from seller'" 89 00 207. Sellers Assistance 4,911.00 507. SellersAssistence . 4 911 00 208. 508 , . 209. 509. Adjustments for items unpaid by seller Adjustments for Items unpaid by seller 210. Cityttown taxes to 510. City/town taxes to 211. County taxes to 511. Countytaxes to 212. School taxes to 512. School taxes to 213. 513. 214. 514. 215. 515. 216. 516. 2t7. 517. 218' 518. 219. 519. 220. Total Paid bylfor Borrower 160,994.00 520. Total Reduction Amount Due Seller 16,983.45 300: Cash atSettlemetiffrorNio Borrower 600. Cash at Settl.etnent'to7from Seller 301. Gross amount due from borrower (line 120) 167,071.43 601. Gross amount due to seller line 420 ( ) 158 909 56 302. Less amounts paid by/for borrower (line 220) 160,994.00 602. Less reductions in amount due seller (line 520) , . 16 983 45 303. Cash QX From ~ To Borrower a c sp ,rg en or ace ec ion o mono on is rw. e........_,___ ,..:__~.._ _ _ _ .... _.. _.._ es ma s a m es per 6,077.43 reaPOnse or a n¢ nv,exrno. a 603. Cash X~ To ~ From Seller re ne a e a,..,..., ..~,. ,. , . 141,926.11 se~tlemeM process. - - ------.._...__....___....__........, .......,.w.,.. N=~w,.e n,.®ma,wy. ,ncic aenpnes io MOMOe me PaNes loe RESPA Covered innsactionwiU, IMOmitlon b.xin9lM1e Previous editions are obsolete Page 1 of 4 HUD-] ~. R t,.~ .._,~.~ '.. ~D. otaf Real Estate B ~ ~ :.- ~ 9.~ o.DO - oivisut o con~~rr ~ ~e s ~ ' $4,740.00 to MCWaIkerRealty '~~ 54740.00 tc ColdwellBankerHomesteadGroup _, -_._ Pa Id Froti-t Borrower's "FUf1CtS 8t: Settlement - ~='aic From. Seller's EUndS at 5ettlernent _ 70~. Commissonpaidatse"-~emerl 9,480.00 __ ___ _ 704. Brorer Fee - ~ ~ -- to Coldwell Banker Homestead Group --- 335.00 800. items Payable in Connection with Loan 801. Our origination charge (Includes Origination Point % or $0.00) $ (from GFE #1) 802 Your credit or charge (points) for the speclfc interest rate chosen $ (from GFE #2) 803. Your adjusted origination charges (from GFE A) 804. Appraisal fee _- to LandSafe Credit, Inc. $465.00 P.O.C.(B" (from GFE #3) 805. Credit report _ to LandSafe Credit, Inc. $35.00 P.O.C.(B") (from GFE #3) 806. TeX SBNICe _ to BAC Tax Services Corporation (from GFE #3) 89.00 807. Flood Certification to LandSafe Flood Determination, Inc. (from GFE #3) 26.00 808. to 900. Items: Re wired by Lender td be Paid ih Advance 901. Daily interest charges from from 05103/2011 to D6/D112D11 @ $20.570D/day (from GFE #10) 596.53 902. Mortgage insurance premium for months to Federal Housin Administration (from GFE #3) 1,524.70 903. Homeowner's insurance for 1 years to AAA Mid-Atlantic Ins. Co. (from GFE #11) 493.00 904. months to (from GFE #11 -- 1000. Reserves De oeited with Lender _ 1001. Initial depositioryourescrowaccount (from GFE#9) 1,856.89 1002. Homeowner's insurance 4 months @ $ 41.09/month $164.36 1003. Mortgage insurance months $ 0.00/month $ 1004. Property taxes months $ O.OOlmonih $ 1005. County taxes 4 months $ 66.68Imonth $266.72 1006. School taxes 12 months $ 154.75!month $1,857.00 1007. Aggregate Adjustment $-431.19 t10D. Title'8harges 1101. Title services and lender's title insurance from GFE#4 1,440.75 5.00 1102. Settlement or closing fee to $ 1103. Owner's title insurance (from GFE#5) 20.00 1104. Lender's title insurance $1,353.75 1105. Lenders title policy limit $153,994.00 Lender's Policy 1106. Owner's title policy limit $158,000.00 Owners Policy 1107. Agent's portion of the total title insurance premium $1,103.94 1108. Underwriter's portion of the total title insurance premium $269.81 1109. 1!200. Government Recordlft and Transfer Charges 1201. Government recording charges $ (from GFE #7) 140.00 1202. Deed $62.00 Mortgage $78.00 Release $ 1203. Transfer taxes $ (from GFE #8) 1,580.00 1204. City/Countytax/stamps Deed $1,580.00 Mortgage $ 1205. State Taxlstamps Deed $1,580.00 Mortgage $ 1,580.00 1206. Deed $ Mort a e $ 1207. $ 130Q. gddtlonal Settlement Chdr es 1301. Required services that you can shop for (from GFE #6) 1302. Survey to $ 1303. Pest Inspection to $ 1304. to 1305. 2011 ColTwp Taxes to Barry L Heckard 800.13 1306. Sewer (AlM/J) to Mechanicsbur Borou h Office 75.00 1307. Refuse (A/M/J) to Mechanicsburg Borou h Office 43.32 `~` `~ ' ' 8,161.87 11,983.45 rasa outsiae or dosing by (t3)omower, (S)eller, (L)ender, (I)nvestor, Bro(K)er. "*Credit by lender shown on page 1. ***Credit by seller shown on page 1. Previous editions are obsolete Page 2 of 4 t1UD-7 __ Com parson of Good Faith Estimate (Gr~?antl HUD-1 Charges .Good Faith Estimate -HUD-1 Charges That Cannot hicrease HUD-1 Line Number :h~roriginati:i~ ~nerae # 801. 0.00. O.DO Ynurcredl! or charge(poins) (or the speci'ic interest rate chosen # 802. I ixradjustel~riglration„harges #.803 0.00 0.00 0.00 0.00 r`ransterta:<es ~ 1203 1,580.00 1,58D.00 Charges Thaf in Total Cannot Increase More Than 10 Govemmant reoording charges # 1201 gp?raisalfee #.oaa Credit report ;v gps Tsxserdise # 806 FlcodGertrfic.aaor. {j 807 Mortgageinsu:anceoremium # 902 Pest Inspection # 1303 #' ChargQSThatCanChange Initial depositfocyourescrowacceunt `# 1001 GoodFaith.Estlmate ~ 2,287.08 HUq-1 1,856.89 Daily Intereslcharges from #.901 $20.57001de 41.14 596.53 h'omeo;vner's ir';urance # 903. 493.00 493 00 7:de sewices and landcr'stitle Insurance ~ .1101 ' 200.00 . 1 440 75 Ovmers fine insurance # ? 103 1,233.75 , . 20.00 #' it Loan Terms Your Initla! !oar amount is $153,994.00 Yocr loan tern is 30. years You: inltlalinterest rate is 4.8750% Your n~itial monthlyamounCO'++e~d for principal; Interest and; any modgage $928.52 includes !nsuranceir QX Principal QX Interest QX Mortgage Insurance Can you- interest rate rise? ~ No. ~ Yes, it can rise to a maximum of °h. The first change will be on I / and can change again every years after / 1 .Every change date, your interest rate can increase or decrease by °k. Over the I'rfe of the loan, your interest rate is guaranteed to never be lower than %or higher than °/,. =van i(you make payments on time, oar your loan balance nse~ XQ No. ~ Yes, it can rise to a maximum of $ Even rf youma<e payments on hma, can your mgn(hly amour( owed for QX No. ~ Yes, the first increase can be on / I and the monthly prinmpal, Interest, and mortgage insurance rise? amount owed can rise to $ The maximum it can ever rise to is $ Does your loan have a prepayment penalty? 0 No. ~ Yes, your maximum prepayment penalty is $ Dues your loan have a balloon payment^ ^X No. ~ Yes, you have a balloon payment of $ due in years on / / Total monfhty amount owed mcludingescrow account payments ~ You do not have a monthly eserowpayment for items, such as property taxes and homeowners insurance. You must pay these items directly yourself. QX You have an additional monthly escrow payment of $262.52 that results in a total initial monthly amount owed of $1,191,04. This includes principal, interest, a. mortgage insurance and any items checked below: 0 Property taxes QX Homeowner's insurance Flood insurance ~ SchoolTaxes ^__ ^ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form, please contact your lender Previous editions are obsolete Page 3 of 4 ~~ ~ 11UD-7 HUD CERTIFICATION OF BUYER AND SELLER X/~~_~~~iL 0.S 0.~e,~ The Estate of Ruth L Speraw, Kathy S. Chaney, Executor The HUD-1 Settlement Statement which I have prepared Is a true and accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with this statement. _ C~ .=-`1 DATE WARNING: IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM. PENALTIES UPON CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT. FOR DETAILS SEE TITLE 18: U.S. CODE SECTION 1001 AND SECTION 1010. Previous editions are obsolete Page 4 of 4 HUD-1 I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. I further certify that I have received a copy of the HUD-1 Settlement Statement. `Jame ci Brrro,,ve; Stever r. Rowa Name of Sellec The Estate of Ruth L Speraw, Kathy S. Chaney, E xec ua File Number. 11-0177GC Prepared 05/03!2011 at 9:03 am Note: This page displays an item Ization of the charges shown on line 1101 of the HUD-1 Settlement Statement. This page accompanies but is not a part of the HUD-1 Settlement Statement. If a discrepancy exists, the information on the HUD-1 Settlement Statementapplies. 1100. Title Charges Borrower Seller 1101. Title services and lender's title insurance to 1,440.75 5.00 Wire I n to Guardian Transfer Corporation $ 12.00 Borrower Notary Fee- Purchasers to Guardian Transfer Corporation $ 25.00 Borrower Courier Fee-Purchase to Guardian Transfer Corporation $ 15.00 Borrower Electronic Document Fee to Guardian Transfer Co oration $ 35.00 Borrower Tax Cert Reimbursement FEe to Guardian Transfer Corporation $ 5.00 Seller Subtotal $ 92.00 1102. Settlement or closing tee to $ 0.00 1104. Lender's title insurance to Title Resources Guaranty Comp~$ 1,353.75 Seller/Lender credtslshown on:paae 1 POC =Paid'Qiitside Glosiiiq Previous editions are obsolete _ ~~' .~ ~~- `~- Page 1 of 1 - ~~~~~ ~~ -!`-' HUD-] Prepared by: LARRASNE P. COLON BANK OF AMERICA, N.A. DATE: 05/03/2011 office #: ooooles 715D HAMILTON BLVD, PO HOX L88 BORROWER:STEVEN F. ROWS TRExLERTOWN, PA leoa7 CASE NO: PA4460712061703 Phone: (610)295-0360 LOAN NO: 234830854 Office Pax No.: (610)295-0359 PROPERTY: so4 ALISON AVE MECHANICSBURG, PA 17055-6656 ADDENDUM TO HUD-1 SETTLEMENT STATEMENT NOTICE TO ALL PARTIES: If information is obtained which indicates that the source of the borrower's financial contribution is other than from the bon•ower or other than stated by the lender in its closing instructions, the settlement agent is to obtain written instructions from the lender before proceeding with settlement. - --- - - - -- -- - -- - -- CERTIFICATION OF BUYER IN AN FHA-INSURED LOAN TRANSACTION I certify that I have no knowledge of any loans that have been or will be made to me (us) or loans that have been. or will be assumed by me (us) for proposes of financing this transaction, other than those described in the sales contract dated 03 /22/z 011 (including addenda). I certify that I (we) have not been paid or reimbursed for any of the cash o pa certify that I (we) have not and will not receive any payment or reimbursement for any of my (our) closing cot 'c have not been previously disclosed in th sal s contract (including addenda) and/or my application for mortgage nsur mittt~fo y (our) mortgage lende~'-j~ ~--~wff/,'~S Borrower Date Borzower Date STEVEN F. ROWS Borzower Date Borzower Date CERTIFICATION OF SELLER IN AN FHA-INSURED LOAN TRANSACTION I certify that I have no knowledge of any loans that have been or will be made to the borrower(s), or loans that have been or will be assumed by the borrower(s), for purposes of financing this transaction, other than those described in the sales contract dated 03/22/2011 (including addenda). I certify that I have not and will not pay or reimburse: the borrower(s) for any part of the cash downpayment. I certify that I have not and will not pay or reimburse the borrower(s) for any part of the bonrower's closing costs which have not been previously disclosed in the sales contract (including any a enda). XM~/~.t'°c~/l~X~--CAS G S.Q.~~-~' S I Iii -- Seller - Dale Seller Date RUTIi L. SPERAW Seller Date Seller Date CERTIFICATION OF SETTLEMENT AGENT IN AN FHA-INSURED LOAN TRANSACTION To the best of my knowledge, the HUD-1 Settlement Statement which I have prepared is a true and accurate account of the funds which were (i) received, or (ii) paid outside closing, and the funds received have been or will be disbursed by the undersigned as part of the settlement of this transaction. I further certify that I have obtained the above certificafions which were executed by the borrower(s) ar~ller(s~ as indicated, .~ Agent DEPT ~~ Date [The certifications contained he r3t~y' fitay be obtained from the respecfive parties at different times or may be obtained on separate addenda.] WARNING: It is a crime to knowingly make false statements to the United States on this or any other similaz form. Penalties upon conviction can include a fine and imprisonment. For details, see: Title I S U.S. Code Sections 1001 and 1010. HUD-1 Settlement Statemem Addendum 2445--US (10l07)(d/i) Page 1 of 1 ~~~~uw~ ~~~~~~~~~~~~w~~~~~~~~ Tax Parcel No. 17-24-0789--100 THIS INDENTURE, MADE THE ~+hday of ~ ~ ~-~ I two thousand eleven (2011) BETWEEN KATHY S . CHANEY, Executrix of the Last: Will and Testament of Ruth L. Speraw, late of the Borough of Mechanicsburg, Cumberland County, Pennsylvania, party of the first part, ctnd STEVEN F. ROWE, of party of the second part: WHEREAS, the said Ruth L. Speraw by her Last Wi11 and Testament, duly proved and recorded in the Cumberland County Register of Wills Office, Pennsylvania, in Docket Book 21-11-0232, Letters Testamentary being issued on February 22, 2011, provided, i:n pertinent part, as follows: THIRD: In addition to the powers granted them by law and other provisions of this Will, I give the fiduciaries, acting hereunder the following powers, applicable to all property, exercisable without court approval and effective until actual distribution of all property: (A) To sell at public or private sale, or to lease, for any period of time, any real or personal property and to give options for sale, exchanges or leases, for such prices and upon such terms (including credit, with or without security) or conditions as are deemed proper. This includes the power to give legally sufficient instruments for trans- fer of the property and to receive the proceeds of an.y disposition of it. ... SIXTH: I nominate and appoint KATHY S. CHANEY, Executrix of this, my Last Will and Testament. ... NOW THIS INDENTURE WITNESSETH, that the said party of the first part, by virtue of the power and authority aforesaid, in ~~aid Will contained, and in consideration of the sum of One Huzldred Fifty-Eight Thousand Dollars ($158,000.00) to her paid by the said party of the second part, at and before the ensealinq and delivery of these presents, the receipt whereof is hereby ac- knowledged, has granted, bargained, sold and conveyed, and does hereby grant, bargain, sell and convey to the said party of the second part, his heirs and assigns forever: ALL THAT CERTAIN piece or parcel of land situate in the Borough of Mechanicsburg, Cumberland County, Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the southern line of Alison Avenue, said point being the dividing line between Lots Nos. 221 and 222 on the hereinafter mentioned Plan of Lots; thence along said divid- ing line South 25 degrees 09 minutes East, one hundred teri (110) feet to a point; thence South 64 degrees 51 minutes West, eighty- five (85) feet to a point at the dividing line between Lots Nos. 222 and 223 on said plan; thence along said dividing line North 25 degrees 09 minutes West, one hundred ten (110) feet to a paint on the southern line of Alison Avenue; thence continuing along the southern line of Alison Avenue North 64 degrees 51 minutes East, eighty-five (85) feet to a point, the place of BEGINNING. BEING Lot No. 222 on Plan No. 3, Plot "B" of Heritage Acres, said plan being recorded in the Cumberland County Recorder's Office in Plan Book 16, Page 68. BEING the same premises which William A. Knaub and Betty L. Knaub, his wife, by deed dated October 28, 1970 and recorc~ed November 2, 1970 in the Cumberland County Recorder of Deecis Office in Deed Book "W", Vol. 23, Page 119, granted and conveyed unto Edward V. Speraw and Ruth L. Speraw, his wife. The ;aid Edward V. Speraw died December 18, 1988, whereupon full acid complete title became vested sole in Ruth L. Speraw, surviving spouse, the Decedent herein. TOGETHER with all and singular the rights, liberties, privileges, hereditaments and appurtenances whatsoever thereunto belonging or in anywise appertaining, and the reversions and remainder~~, rents, issues and prof its thereof, and all the estate, riq_ht, title, interest, property, claim and demand whatsoever of the said Ruth L. Speraw at and immediately before the time of her decease, in law or equity or otherwise howsoever, of, in, t:o or out of the same: TO HAVE AND TO HOLD the said granted premises to the said parry of the second part, his heirs and assigns forever. AND the said party of the first part, does covenant, promise, grant and agree, to and with the said party of the second part, his heirs and assigns, by these presents, that the said party of the first part, has not done, committed, or knowingly or willingly suffered to be done, any act, matter or thing what- soever, whereby the premises aforesaid, or any part thereof, is, are, shall or may be charged or encumbered, in title, cha_~ge or estate, or otherwise howsoever. IN WITNESS WHEREOF, the said party of the first part has here- unto set her hand and seal the day and year above written. Signed, Sealed and Delivered in the Presence of 7' ( SEAL ) KATH S. EY, Exec tr'x of the Last Will and Testamen of R~.th L. Speraw COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS. On this, the a'Rt~~ day of ~{~~ ' ~ 2011, before me, the undersigned officer, personally appeared KATHY S. CHANEY, Execu- tor of the Last Will and Testament of Ruth L. Speraw, known to me (or satisfactorily proven) to be the person described in t:he foregoing instrument, and acknowledged that she executed t:he same in the capacity therein stated and for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. _ (SEAL) Notary Public 7 My Commission Expires: ~a ~ ~~ COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL BETH 6. LENGEL, NOTARY PUBLIC SNIREMANSTOWN BORO., CUMBERLAND COUNTY MY COMMISSION EXPIRES DEC. 12, 2011 CERTIFICATE OF RESIDENCE I do hereby certify that the precise residence and complete post office address of the within named grantee is: 2011 Attorney/Agent for Grantee Rev-1508 EX+ (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF (FILE NUMBER Speraw, Ruth L. 21-11-023:? Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on schedule F. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1 1999 Mercury Sable -VIN # 1 MFEM50U9XA638667. Sold at private sale. 3,000.00 2 Personal Property -per attached appraisal. It is to be noted, the 1999 Mercury Sable which i 2,405.00 included on this appraisal was sold at private sale. Therefore, the appraised value of this vehicle has been excluded from the total value of the personal property as listed herein and the sale price of the vehicle is listed separately. 3 Hartford Insurance -Refund of homeowner's insurance premium 270.00 4 Hartford Insurance -Refund of car insurance premium 147.00 5 Terminix -Refund 98.36 6 The Patriot News -Refund 25.75 7 U.S. Treasury - 2010 personal income tax refund 1,536.00 8 Verizon -Refund 27.15 TOTAL (Also enter on Line 5, Recapitulation) I 7,509.21 (If more space is needed, additional pages of the same size) - Copyright (c) 2002 form software only The Lackner Group, Inc. Form I'A-1500 Schedule E (Rev. 6-~ +` ^~/.l8/20].l. FRI 10:.5° ":~' : rc3'80i_ ~~ V I ^~ F^--~• V 1 ~yy ~f ~, CERT{FfCATE OF TITLE' FOR A ~/EHICLE ,. _ f: I, 1 ~ ` ~~ ~ .. I 1°" pf]?D ~131,3 C1DDU ~i -OD],': }J I~Fr t~15~1~~ ~~:~,~38.6~~ , ~ 7,99 -M`E<CURY~ . ~: ~~~~ ^ ~t_I~L~ (~~7 `~ ~CI ~)VJ 5P ;i . Eii:.l IU _N TIFICATION NUM6C~ r=.,.: _ U,: r'~ O ~ r I~ ~ i • y •I~:;_ -' I .S.~~t OCI ':. I ~,.., .._I.:. I .. ~/UUI J~f~~t'~' ~:'(L ;k n ([ ~~k _ ., DUP b ,. (.,:= C PFI:S TEL_~~; c. ~7., Ob ~r; I_... 5~'25/9`~ j '~l 2:~f(7L~ : ~ ~: ' t p ~~ DATE PA TITLE- _ .. ~ DATE OFt55'JE ~ UNI.vOE+\w_IGY,i. I c=+. i GCYA, _...{ ;liIE: BR PIO$ ~ ~ E ~ ..-. _ C o =ACTUAL n4tE~~GE = IrILEAGE EY.CE EOS TI1E ;JEC WIN:CAL LI:.11T5. ~. 2 = NOT iH'c ACTUAL M!:FAGE ~". 3 = NO'f THE ACTUAL H!;LE,GGE~000,11E5£F. 7A:aPERING Vc'S!rlc0 E%EYPT EP.OI,I.000r/,E i EF DISCLOSVRE ~I TITLE 3R.1^IC;'. C =CLASSIC VEHII:LE ' = co~LECr7EL=_ vEwcl.E . F =OUT pF CCUNfRT. OrsTRl JTION ' H = AGFlIOULTUi I VEt! CLE L ~~ LOG&!.G V NICLG P w IShVAS A POLY ~:Eh Lc R _ RECONS flUC1E_ S .GTREET R00" '~ `: T . RECq'JEREO THEET VEHICLE SUescF:REO nN~ sw6arl !- If a ca purchaser other Than your.spov5e;is listed and ydu. Leant the tiUe`.lo ro au ~ ~ ,n= (, 6 sled as Jomt Tenants NNth Fligh4:ot Survivorsbi ' ' p"(On death. of one .. - :E _ owner 11llegoes to surviving owrier.)~ f HECK HERE r'7 alherwlse lhelitle wl I be I su::,d as '?enants fn Commor fOn destn of aJ~ oi; ~n r InlEresE of ~_ :. ~- I de aced awne goes to hlslner heirs or eslafeJ. CCC-- ~V~~Uric 4cfi501. TC .: ,,~I ~fhiY - -- _ I - :5T Ll. t\ OF~TE n~~r: J - ~ ~ I c ,ti ,n-~ - - -- ,. - ---- .. ~ R t .~._ ~i,Tl:~'J ryU:.YE~. -_ - ~ 21J I J.T. --- ~- .-- - ~. w~+ r« cam cn~ m re-~ o .rc ~ .a or m~ Iua~ii fall .~acm: - -_ - --._ __ ~401I_'14JLOrF Vii.. nF tr?~ICANL OT AUTY.O.L2ED StGn~EP~ -__ _. _:_ - ____ I CITY _ _ rr. _. .I- ___ :'' ~ ~__ :. ~~V'ftE Oi ,tP VC N'i Tr =Arrr '0 LEp SIGYEA FI vq .CIw,L Ir15 r!7J';Ot7 rJUM~~F ~. LINDEN HALL ANTIQUES 211 N. OLD STONE HOUSE ROAD CARLISLE, PA 17015 717-249-1978 To: James D. Bogar, Attorney 1 West Main Street Shiremanstown, PA 17011 From: William G. Rowe, Appraiser 211 N. Old Stone House Road Carlisle, PA 17015 Re: Personal Property Appraisal Estate of Ruth L. Speraw 504 Alison Street Mechanicsburg, PA 17050 Date: March 10, 2011 LIVING ROOM Sofa $45.00 Upholstered chairs (3) $50.00 Miscellaneous household $50.00 Chairs, pair $30.00 China cabinet $100.00 Knick knacks $50.00 Stands /lamps $30.00 Coffee table $30.00 Utility table $50.00 Cane-seat chair $15.00 DINING ROOM Dining room set $200.00 Bar stools $15.00 T.V. $10.00 Kitchen items $35.00 Miscellaneous household $20.00 Oak chair $10.00 Hanging shelf $10.00 Pots /pans $15.00 BEDROOM Bedroom set $500.00 Rocker $50.00 Cedar chest $50.00 Miscellaneous household $75.00 Brass rack $10.00 T.V. $10.00 Lampstand /lamp $10.00 BEDROOM Bedroom set $150.00 Miscellaneous household $15.00 Rocker $10.00 Chair $10.00 Speraw Appraisal 1 03/10/2011 Bookcase FAMILY ROOM Desk Flatware Sofa set, 2 pc. Knick knacks Coffee table Household BASEMENT Knick knacks Cabinet Desk Hide-a-bed 2 stands /lamps Oak chair Bar stools Lamps Christmas items Sewing machine /accessories Washer /dryer Miscellaneous housewares Shelf Oak library table GARAGE Table Oak chair Miscellaneous garage items Tools Ladder 1999 Mercury Sabre -fair condition TOTAL $10.00 $10.00 $10.00 $100.00 $35.00 $20.00 $15.00 $40.00 $40.00 $10.00 $5.00 $40.00 $40.00 $20.00 $10.00 $10.00 $10.00 $so.oo $10.00 $10.00 $100.00 $50.00 $10.00 $10.00 $45.00 $10.00 $3,100.00 $5,505.00 z_° ,"~ William G. Rowe Speraw Appraisal 2 03/10/2011 Rev-1509 EX+ (6-95) SCHEDULE F COMMONWEALTH OF PENNSYLVANIA JOINTLY-OWNED PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF (FILE NUMBER Speraw, Ruth L. 21-11-0232 If an asset was made joint within one year of the decedent's date of death, it must be reported on schedule G. SURVIVING JOINT TENANT(S) NAME ADDRESS RELATION:iHIP TO DECEDENT A. Kathy S. Chaney 1613 Berkshire Place Daughter Charleston, WV 25314 B. C. JOINTLY OWNED PROPERTY: ITEM NUMBER FOR JOIN TENANT MADE JOINT DESCRIPTION OF PROPERTY (NUMBER ORR SEMILARNDENTIFYINGINUMBER. ATTACH DEEDOFOR JOINTLY-HELD REAL ESTATE. DATE OF DEATH VALUE OF ASSE % OF DECD'~l INTEREST DATE OF DEATH DECE ENT'S IONTEREST 1 A 5/31/2006 M&T Bank -Checking Account No. 80938787. 7,152.35 50.000% 3,576.18 Date of death balance $7,152.34; accrued interest $0.01. 2 A 5/31/2006 M&T Bank -Savings Account No. 26,415.78 50.000% 13,207.89 15004213662627. Date of death balance $26,415.49; accrued interest $0.29. 3 A 7/23/2002 M8~T Bank -Certificate of Deposit No. 12,022.37 50.000% 6,011.19 31003914178031. Date of death balance $12,020.89; accrued interest $1.48. 4 A 1123/2006 M&T Bank -Certificate of Deposit No. 34,754.82 50.000% 17,377.41 31003916011916. Date of death balance $34,751.82; accrued interest $3.00. 5 A 5/2/2008 M&T Bank -Certificate of Deposit No. 21,223.47 50.000% 10,611.74 31003917887960. Date of death balance $21,214.75; accrued interest $8.72. 6 A U.S. Savings Bonds - 62 Series EE U.S. 97,730.80 50.000% 48,865.40 Savings Bonds. Values per attached Savings Bond Calculator. TOTAL (Also enter on Line 6, Recapitulation) I 99,649.81 (If more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule F (Rev. 6-~ '1 0 MBTB`itlk 499 Mitchell Road, Millsboro, DE ].9966 Adjustment Services Phone 888-502-439 Fax (302) 934-:?955 March 2, 20] 1 James D Bogar One West Main Street Shiremanstown, PA 17011 Re: Estate of Ruth L Speraw Social Security: 207-OS-2845 Date of Death: February 3, 2011 Dear Sir or Madam: Per your inquiry on February 22, 2011, please be advised that at the time of death, the above-named decedent had on deposit with this bank the following: 1. Type of Account Checking Account Account Number 80938787 Ownership (Names o, fl Ruth L Speraw Kathy Speraw Chaney Opening Date 0828/64 Balance on Date of Death $7,152.34 Accrued Interest $ .01 Total $7,152.35 2. Type of Account Savings Account Account Number 15004213662627 Ownership (Names o~ Ruth L Speraw Kathy Speraw Chaney Opening Date 05/31/06 Balance on Date of Death $26,415.49 Accrued Interest $ .29 Total $26,415.78 3. Type of Account Certificate of Deposit Accouait Nu»iber 31003914178031 Ownership (Names of) Ruth L Speraw Kathy Speraw Chaney Opening Date 07/23/02 Balance on Date of Death $12,020.89 Accrued Interest $ 1.48 Total $12,022.37 4. Type of Account Cert ficate of Deposit Account Number 31003916011916 Ownership (Names of) Ruth L Speraw Kathy Speraw Chaney Opening Date 01/23/06 Balance on Date of Death $34,751.82 Accrued Interest $ 3.00 Total $34,754.82 5. Type of Account Certificate of Deposit Account Number 31003917887960 Ownership (Names ofl Ruth L Speraw Kathy Speraw Chaney Opening Date 05/02/08 Bui'aliC2 Ui Daie (7f DGatit $21,LI4.7.5 Accrued Interest $ 8.72 Total $21,223.47 For further account information, closures and/or reimbursement of funds please call the Mechanicsburg Office at #717-:;55-2031. We were unable to locate any safe deposit box For the above-mentioned decedent. This letter does not include any accounts in which the deceased may have been listed as Power of Attorney, Custodian of tiniform Transfers, Representative Payee, or Trustee under a Written Agreement Sincerely, ~` ~-- f Cv~-rv~,~y i 1~.-Z Tammy Spencer Adjustment Services Calculated Value n~_ "our Paper aavings tsonc~l,s~ ~_µbv - - Calculated Value of Your Paper Savings Bond(s) Calculator Results for Redemption Date 02/2011 TataE Price Total Value Total Interest YTL} Interest $28,625.00 $97,730.80 $69,105.80 $75.20 Bonds: 1-62 of 62 Serial # Issue Next Fina! Series Denom pate Accrual Maturity Issue Price Interest Interest Rate rlalue Nate D23518448EE EE ; 05/1984 05/2011 $500 05/2014 $250.00: $754.00 4.00% $1,004.00, _ D23518449EE _. EE . ; 05/1984 05/2011 $500 05/2014:. $250.00 $754.00 - 4.00% $1,004.00 _ D23518450EE ! EE _ $500: 05/1984, 05%2011 05/2014'. $250.00', $754.00, 4.00% $1,004.00, _ D23518451EE ' EE $500:05/1984 05/2011 05/2014!. $.250.00; $754.00_ 4.00% $1,004.00_ D23518452EE EE $500;05/1984 05/2011_ 05/2014; $250.00:. $754.00: 4.00% $1,004.00, _._ D23518453EE _ EE . _ - $500 05/1984 05/2011 _ 05/2014 $250.00. $754.00 4.00% $1,004 00 i M28908091EE EE $1,000..03/1987 03/2011 03/2017- $500 00 $1,103 20 4 00% $1,603 20 ~ M28908092EE EE '. $1,000',03/1987 03/2011. 03/2017: _ $500.00 $1,103 20 4 00% $1603 20 _ M28908093EE , EE : , $1,000':02/1986_' 08/2011m 02/2016: $500 00 _ $1,392.00; 4.00% $11892.00_ . _ _. M28908073EE __ EE $1 000.05/1984105/2011; ._ _ 05/2014!: $500 00' $11508.00,., 4.00% $2,008 00_ _ M28908074EE --- - i EE ; 000d05/1984 05/2011 $1 05/2014:_ _ $500 DO _ $1,508.00... 4.00% $21008 00 ___. . .._ _ M28908075EE EE _ f 05/201,1_:, $1,000:05/1984 05/2014 $500 00, _ . $1,508 00; 4 00% $2,008.00 M28908076EE . _ EE . $1,000:05%1984! 05/2011 05/2014 $500.00; $1,508.00 4.00% $2,008 00 M28908077EE EE $1,000:05/1984 05/2011: 05/2014_ $500.00;_ $1,508.D0 4.00% $2,008.00_ _ _. M28908078EE EE `05/1984 05/2011_ $1,000 05/2014_ $500 00 .$1,508 DO_ 4.OD% $2,008.00 _ M28908079EE _ ' EE , $1,000;05/1984.05/2011;; 05/2014 $500 00 $1,508.00, 4 00% $2,008 00 M28908080EE EE ! 05/1984; 05/2011j_ $1,000 05/2014 $500 00 $1,508 00 4.00%_ $2,008 00 _ M28908081EE ; EE _, 05/2011,_ $1,000,05/1984 05/2014,. $500 00 $1,508 00: 4 00% $2,008 00 M28908082EE EE : . $1,000 05/1984 05%2011 05/2014 $500 00 $1,508 00 4 00% $2,008 00 M28908083EE _ EE ' $1,000 05/1984 05/2011 05/2014 _ _$500 00. $1.,508 00, 4,00%. $2,008 00 _. M28908084EE ' EE $1,000.05/1984.05/2011:- 05/2014 500 00 ` 1 508 00 4 00% 2 008.00 EE M28908085EE! $1,D00 05/1984 05f2011 05/2014 _$500.00: . $1,508 00 4.00%, 21008.00 _ _ M28908086EE __ EE ' $1,000805/1984 05/2011 05/2014 _ $500 00! $1,508.00- 4 00% ,$2,008 00 M28908087EE EE $1,000! 05/1984; 05/2011; 05/2014 $500 00! $1,508 00 4 00% $2,008 00 _ __.~. M28908088EE EE _ $1{000:05/1984x05%2011; 05/2014 _ $500.00: $1,508 00. 4 00% $2,008 00 .. ... . , _ I M28908089EE . EE : _ $1,000:'05/1984`05%2011; 05/2014 $500 00 $1.,508.00: 4.00,% $2,008 OOe M28908094EE _ . _ _ ' EE :06/1988. 06/2011' $1,000 06/2018. .$500.00' $1,040 80, 4 00% $1,540 80 _ M28908095EE I EE I _ $1,000; 06/1988 06/2011;- 06/2018 ,$500.00' $1,040.80; 4.00% $1,540 80 M28908096EE ' EE $1,000, 06/1988 06/2011; 06/2018 $500.00: $1,040 80 4.00% $1,540.80, M28908097EE EE ; -06/1988 06/2011; $1,000 06/2018 $500.00 $1,040.80;; 4.00% $1,540.80 _ M28908098EE I EE . 000! 06/1988; 06/2011 $1 06/2018., _ _ $500 00 $1,040 80 4 00% $1,540 80 . M28908099EE ' EE , $1,000:06/1988:06/2011 06/2018 „__$500 00 $1,040.80: 4,00% $1,540 80 M28908100EE _ EE $1,000; 06/1988 :06/2011 06/2018 $500 00 $1,040 80 4 00% $1,540 80 . M28908101EE _ EE $1,000.06/1988 06/2011: 06/2018. $500 00 _ $11040 80 4.00% $1,540 80 M28908102EE EE $1,000 06/1988 06/2011 06/2018 $500.00. $1,040.80_ 4.00% $1,540.80 _ _ M28908103EE EE _ $1,000 06/1988_06/2011 06/2018 $500.00 $1,040.80' 4.00% $1,540.80 __ M28908104EE EE $1,000 06/1988, 06/2011 06/2018 $500.00_. $1,040.80_; 4.00% $1,540.80 M28908105EE ' EE ' $1,000:06/1988 06/2011 . 06/2018 $500.00 $1,040.80, 4.00% $1,540.80 _ _ M28908106EE EE $1,000 06/1988 06/2011 06/2018 $500.00 $1,040.80 4.00% $1,540.80 _ M28908107EE EE 06/1988 06/2011 $1,000 .06/2018 $500.00. $1,040.80. 4.00% $1,540.80 __. M28908108EE ' EE , X1,000 06/1988 06/2011 06/2018 $500.00 $1,040,80 4.00% $1,540.80 __ M28908109EE __ EE $1,000 06/1988 06/2011 06/2018 $500.00 $1,040.80 4.00% $1,540.80 M28908110EE EE X1,000 06/1988 ,06/2011 06/2018_ $500.00_. $1,040.80_. 4,00% $'.1,540.80 M28908111EE EE $1,000 06/1988 06/2011. 06/2018 $500.00 $1,040.80 4.00% $1,540.80 M28908112EE _ EE 06/1988 06/2011 $1,000 06/2018 $500.00 $1,040.80: 4.00% $'.1,540.80 M28908113EE EE . $1,000 06/1988.06/2011. 06/2018 $500.00 $1,040.80 4.00% $1,540..80 M28908114EE EE $1,000 06/1988 06/2011 06/2018 $500.0.0' $1,040.80 4.00% $1,540.80 http://www.treasurydirect.gov/BC/SBCPrice x/16/2011 Calcula*ec- V~1-a~ o;'~~~'our Paper Savings Bond(s) M28908115EE EE $1,000 06/1988 06/2011 06/2018 M28908116EE EE $1,000 06/1988 06/2011 06/2018 M28908117Ec EE $1,000 06/1988 06/2011 06/2018 M28908118EE EE $1,000 06/1988 06/2011 06/2018 M28908119EE EE $1,000 06/1988 06/2011 06/2018 M28908120EE EE $1,000 06/1988 06/2011 06/2018 _ _ _ M28908121EE EE $1,000 06/1988 06/2011 06/2018 M28908090EE EE $1,000 07/1988 07/2011 07/2018 L4068314t37EE EE $50 07/1988 07/2011 07/2018 R51611574EE EE $200.07/1988 07/2011 07/2018_ M15048282EE EE $1,000 03/1989 03/2011 03/2019 M15048283EE EE $1,000 03/1989 03/2011 03/2019 M15048284EE EE $1,000 03/1989 03/2011 03/2019 M15048285EE EE $1,000.03/1989 03/2011 03/2019_. M15048286EE EE $1,000 03/1989 03/2011,_03/2019 Totals for 62 Bonds $ Notes NI Not Issued __ _ _ _ _. NE Not eligible for payment P5 .Includes 3 month interest penalty _ _ __ _ MA Matured and not earnin interest rage ~ or .~ $500.00 $1,040.80 4,00% $1,540.80 $500.00 $1,040.80 4.00% $1,540.80 $500.00 $1,040.80 4.00% $1,540.80. $500.00 $1,040.80 4.00% $1,540.80 $500.00 $1,040.80 4.00% $1,540.80 $500.00 $1,040.80 4,.00% $1,540.80 $500.00 $1,040.80 4.00% $1,540.80 $500.00 $1,040.80 4.00% $1,540.80. $25.00 $52.04 4.00% $77.04. $100.00 $208.16 4.00% $308.16 $500.00 $980.80. 4.00% $1,480.80 $500.00 $980.80 4.00% $1,480.80 $500.00 $980.80 4.00% $1,480.80 $500.00 $980.80 4.00% $1,480.80 ,$500.00- $980.80_; 4.00% $1,480.80. 28,625.00 $69,105.80' $97,730.80 http://www.treasurydirect.gov/BC/SBCPrice 3/16/2011 D3/18/2011 FRI 7 F 1 OF Px irc3380i _ _ ~_ yr +~ s i - . ~' \ y l i~ !'~,i u-.~~cl..~u r U u sAS per. f 77`" ~~ ~` \~.t;~ ~:fr s ~ ~ ;, ~~ ~ ti 01~ P, . ~-~ ~~~, lrV ~ ~ 6' P ~ 1 1 I ' {{~~t1~\ •w f ~sli' >' ~ ~V`~~:~w Ih~{~ ~~. a Uri ~~~~lU ~~ ~~l i~~~ ~ ~ , _ i . :_ i ' ~j~ ! y ~ ` ~ , , ~ ~ ~ f l 7 ~ , ~~~ r ~ i i, 1 i ~ 1 4 ~ J _~! ~i1; f._ ~~ k 1 ~If'l+,iyl ~ ~i~~~)~ ~l'1~ ~ii: u_~~;~ ~ ~,r/ ~ -,4 ~ _~ ~7 ,~, sl ~ ~ ~~~ ~. v:;~ ,; ~`-> ,;`.a;,~ L~;caUR~7t .P~~,~ '37~?55 F `G. t,°~T..,'~J` a r 5 \ ~~ ' ~ ~ ~~ ~ f~ b K fi 1 ~~ Sa _~~~ ~Mr~ ~ ? ~ ~~ ~ ~ ~ `D 0 Cl"~ i 9 0 0,(~ ~ ~ : 0 3 ~ ,, ~ •" ~ €t.,fdM _ . . , ,.,,.. y , , .~ ~..w ..... . 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L,,S~S'U~ D~F4vT CIS lil £;,tthIRST y §; k; '~\ ~' 1~°' , z .. ac _~~~~t~~~`~~.,tJ r _. ~. `~~ ~~~~,~ ~ ` 'r y a q ;, ~ ~ ~M; ~~ ~ I l ~ n fL g -~~ I - t --} ,~ r~~~~o~~ ~~EF ~ 8.~';`~ ~ 3~' _ __ 03/18/2011 FRI 13:38 Pp.Y irc3380i ~y~,.~~~1u~~ REV-1151 EX+ (10-06) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES ~ ADMINISTRATIVE COSTS - ESTATE OF FILE NUMBER Speraw, Ruth L. 21-11-0232' Debts of decedent must be reported on Schedule 1. ITEM DESCRIPTION AMOUNT N MBER A. FUNERAL EXPENSES: See continuation schedule(s) attached B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) 5, 622.72 Street Address City State Zio Yearlsl Commission paid 2. Attorney's Fees Bogar 8~ Hipp Law Offices 10,500.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City State Zip Relationship of Claimant to Decedent 4. Probate Fees 331.50 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 21,654.83 See continuation schedule(s) attached TOTAL (Also enter ors line 9, Recapitulation) 38,109.05 Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 10-Oc! SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF (FILE NUMBER Speraw, Ruth L. 21-11-0232 ITEM NUMBER DESCRIPTION AMOUNT Funeral Ex e~nses 1 Harrisburg East Cemetery 919.72 2 Mary Dotson -Minister's honorarium for funeral service 100.00 3 Myers Funeral Home -funeral bill 3,508.00 4 Myers Funeral Home -Cemetery fees 945.00 5 Wesley United Methodist Church -funeral luncheon 150.00 H-A Other Administrative Costs 6 Barry Heckard -Per Capita Tax 7 Barry Heckard - 2011 County/Township Real Estate Tax 8 BBEC -Fee for electrical repairs to house prior to sale 9 Borough of Mechanicsburg -sewer bill 10 Borough of Mechanicsburg -trash bill 11 Central PA AAA -Notary fee 12 Coldwell Banker Homestead Group -Realtor's commission 13 Comcast 14 Comcast -Final bill 5,622.72 9.80 800.13 155.27 75.00 43.32 2.00 4, 740.00 4.48 4.49 Copyright (c) 2002 form software only The Lackner Group, Inc. Forrn PA-1500 Schedule H (Rev. 6 9~;) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBIER Speraw, Ruth L. 21-11-0232 ITEM NUMBER DESCRIPTION AMOUNT 15 Enviroquest -Fee for radon testing 760.00 16 Enviroquest -Fee to re-test for radon after remediation 100.00 17 Guardian Transfer -Tax certification fee 5.00 18 Kevin Shutt -Carpet cleaning 227,26 19 M C Walker Realty -Realtor's commission 4,740.00 20 M&T Bank -VISA balance 273.61 21 PPL 139.95 22 PPL 139.98 23 PPL 140.00 24 Recorder of Deeds -Realty transfer tax ~ 1,580.00 25 RESERVES: -Costs to conclude administration of Estate, including filing fees for PA 1,500.00 Inheritance Tax Return and Inventory, preparation and filing of 2011 Personal Income Tax Returns and Fiduciary Income Tax Returns for the Estate 26 Steven F. Rowe -Seller's assistance paid at real estate settlement 5,000.00 27 U-Haul -Removal of household contents 735.00 28 United Water 10.49 29 United Water 16.18 30 United Water 16.18 Copyright (c) 2002 form software only The Lackner Group, Inc. Form F',-1500 Schedule H (Rev. 6-9-'.) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Speraw, Ruth L. 21-11-0232 ITEM NUMBER DESCRIPTION AMOUNT 31 Verizon 58.63 32 Verizon -Final bill 48.06 33 Virginia Slack -fee for preparation of 2010 personal income tax returns 235.00 34 West Virginia Department of Transportation -Fee to transfer car title 10.00 35 William G. Rowe -Fee to appraise personal property 85.00 H-B7 21,654.83 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-"i 500 Schedule H (Rev. 6-~£'.; REV-1513 EX+(11-OS) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF SCHEDULE J BENEFICIARIES Speraw, Ruth L. NUMBER NAME AND ADDRESS OF PERSON(Sl RECEIVING PROPERTY I~ TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116 a 1.2 Kathy S. Chaney 1613 Berkshire Place Charleston, WV 25314 FILE NUMBER 21-11-0232 RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE DECEDENT Words DO Not List Trusteelsl ~ ) ($$$) Daughter One Hundred percent of rest, residue and remainder ~ ~ Total Enter dollar amounts for distributions shown above on lines 15 throu h 18 on Rev 1500 cover sheet, as a ro NON-TAXABLE DISTRIBUTIONS: II. A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVFR Sf'EET !__ Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-9500 Schedule 41 (Rev. 11-OPl LAST WILL AND TESTAMENT OF RUTH L. SPERAW I, RUTH L. SPERAW, of the Borough of Mechanicsburg, Cumberland County, Pennsylvania, make, publish and declare this as and for my Last Will and Testament, hereby revoking all other Wills and Codicils heretofore made by me. FIRST: I devise and bequeath all the rest, residue and remainder of my estate of whatever nature and wherever situate, including any property over which I hold power of appointment and together with any insurance policies thereon, to my daughter, KATHY S. CHANEY, provided that should she predecease me, I give and bequeath such child's share unto her issue per stirpes by representation. SECOND: Should any of my grandchildren not have attained the age of twenty-two (22) years at the time for dis- tribution to him or her, I give, devise and bequeath the ;share of each such grandchild to my hereinafter named Trustee or Trustees, IN SEPARATE TRUSTS, to hold, manage, invest and reinvest 'the shares so received, and to use and apply from time to time such portion of income and principal for the said grandchild's ~ education (including college, trade school or other simil<~r a training or education), as my Trustee or Trustees, in their sole discretion, deem advisable. Any income or principal not so applied shall be dis- tributed to each grandchild when he or she attains the agE. of `~~ twenty-two (22) years. In the event any of my grandchildren predeceases me or dies prior to the termination of this Trust, ,~ the interest of said grandchild in said Trust shall cease with V "~ any income and principal being divided evenly between or among my other grandchildren or the separate trusts established hereunder for their benefit. THIRD: In addition to all powers granted to thE~m by law and by other provisions of this Will, I give the fidL~ciaries acting hereunder the following powers, applicable to all proper- ty, exercisable without court approval and effective until actual distribution of all property: (A) To sell at public or private sale, or to lease, for any period of time, any real or personal property and. to give options for sales, exchanges or leases, for such prices and upon such terms (including credit, with or without security) or conditions as are deemed proper. This includes the power to give legally sufficient instruments for transfer of the property and to receive the proceeds of any disposition of it. (B) To partition, subdivide, or improve real estate and to enter into agreements concerning the partition, subdivi- sion, improvement, zoning or management of real estate and to impose or extinguish restrictions on real estate. (C) To compromise any claim or controversy and to abandon any property which is of little or no value. (D) To invest in all forms of property, including stocks, common trust funds and mortgage investment funds, without restriction to investments authorized for Pennsylvania fiduci- aries, as are deemed proper, without regard to any principle of diversification, risk or productivity. (E) To exercise any option, right or privilege granted in insurance policies or in other investments. (F) To exercise any election or privilege given by the Federal and other tax laws, including, but not necessarily being limited to, personal income, gift and estate or inheritance tax laws. ~ (G) To make distributions to my herein named benefici- ~~15 aries in cash or in kind or partly in each. (H) To borrow money from themselves or others .in order to pay debts, taxes, or estate or trust administration expenses, L~ , `~ to protect or improve any property held under my will, and for investment purposes. 2 (I) To select a mode of payment under any qualified retirement plan (pension plan, profit sharing plan, employee stock ownership plan, or any other type of qualified plan) to the extent the plan or the law permits them to do so, and to exercise any other rights which they may have under the plan, in whatever manner they consider advisable. FOURTH: I nominate and appoint my son-in-law, MALCOLM L. CHANEY, as Trustee of the hereinabove described trusts, who shall serve without bond and shall receive fair and reasonable compensation. FIFTH: I direct that all inheritance, estate, trans- fer, succession and death taxes, of any kind whatsoever, which may be payable by reason of my death, whether or not with. respect to property passing under this Will, shall be paid out of the principal of my residuary estate. SIXTH: I nominate and appoint KATHY S. CHANEY, Executrix of this, my Last Will and Testament. In the event of the death, resignation or inability to serve for any reason whatsoever of the said KATHY S. CHANEY, I nominate and appoint MALCOLM L. CHANEY, Executor of this, my Last Will and Testament. I direct that my Executrix or Executor, Trustee or Trustees, as the case may be, and their successors, shall not be required to post security or a bond for the performance of their duties in any jurisdiction. IN WITNESS WHEREOF, I have hereunto set my hand and seal to this, my Last Will and Testament, this ~r'~ day of ~2Lt~~~ , 1995. ~ , ~1:.J /L,~1.c'--~ ~~f'~2~`_`_,`'- ( SEAL) RUTH L. SPERAW 3 Signed, sealed, published and declared by the above- named Testatrix as and for her Last Will and Testament in our presence, who, at her request, in her presence and in the presence of each other, have hereunto subscribed our names as attesting witnesses. Address Address ,-- 4 ~ _~ ~ ~' - ~~ 4