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Home My WebLink About05-09-12 ~-.> (. Andrew H. Shaw, Esquire T `~T' = ' 3~ -"` . .,,,.J _~/ LD. No: 87371 ? '~r, _:'' '~, 200 S. Spring Garden St., Suite 11 ~__ -~ ~~ c- > ~-., - Carlisle, PA 17013 ~'= G~ ~= - ~' (717) 243-7135 _ ' `~' '• -- Attorney for Good News Consulting, Inc., Petitioner ~ ~~' ~~ c~ , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION IN RE: ORVILLE C. ZEIDERS An Incapacitated Person NO. 21-11-1129 PETITION FOR PERMISSION TO SELL REAL ESTATE AT PRIVATE SALE IN ACCORDANCE WITH 20 PA. CONS. STAT. ANN. § 5521 Petitioner, Good News Consulting, Inc., guardian of the Estate of Orville C. Zeiders, an in- capacitated person, represents that: 1. Orville C. Zeiders was adjudged incapacitated after a hearing, by Decree of this Hon- orable Court, dated December 14, 2011. 2. The incapacitated person is now a patient at HCR ManorCare Carlisle, 940 Walnut Bottom Road, Carlisle, Pennsylvania 17015. 3. The incapacitated person is 92 years of age, and is never expected to return to his home or be released from the nursing home. 4. The incapacitated person acquired title to the premises located at 915 West Trindle Road, Mechanicsburg, Pennsylvania from on or about December 17, 1956. 5. The total value of the incapacitated person's personal assets is as follows: a. M&T Bank, Checking account $3,226.13; b. Total Value: $3,226.13. 6. The value of the real estate to be sold as included in the inventory was recently ap- praised at $76,000.00. A copy of the appraisal is attached hereto as Exhibit A. 7. No creditors currently exist but within the month, upon the termination of insurance benefits, annual expenses of approximately $108,000 for the nursing home will be incurred by peti- tioner on the incapacitated person's behalf. 8. It is necessary and in the best interests of the incapacitated person that the property be sold since it produces no income and incurs monthly and annual expenses for heat, utilities, maintenance and property taxes. 9. The incapacitated person receives total annual income of $18,901.00, which annual income will be insufficient to pay the expenses of HCR ManorCare Carlisle. 10. Petitioner is not authorized to sell the real estate except by order of the Court. 11. Petitioner is not required to post bond, but has been directed by this Honorable Court to maintain current liability insurance. 12. Petitioner is not aware of any Last Will and Testament of the incapacitated person. 13. The names, relationships and addresses of the living next-of--kin of the incapacitated person are as follows: a. Lois Saranno, daughter, 403 Venice Avenue, Carlisle, PA 17013; b. Helen Kramer ,relationship unknown, 9 Jolee Drive, Middletown, PA 17057; 14. The purchaser is Robert M. Ansel, who is unrelated to the incapacitated person. 15. The purchaser has offered to purchase the property for $50,000.00, with 0% seller assist, with settlement to be held on or before May 11, 2012, subject to Court approval of the agree- ment of sale. A copy of the agreement of sale is attached as Exhibit B. 16. Petitioner listed the property for sale on or about March 12, 2012, and the offer from Robert Ansel is the highest offer received to date. 17. The original list price was $72,000.00, but Petitioner received no offers. 18. The only other offer received to date, was for $40,000.00. 19. The computation of estimated net proceeds, $45,865.00, net of real estate broker's commissions and transfer taxes, is attached as Exhibit C. 20. The Honorable M.L. Ebert, Jr. has ruled in previous petitions for this matter. WHEREFORE, petitioner requests that the Court enter an order authorizing the sale of the premises, 915 West Trindle Road, Mechanicsburg, Pennsylvania, to Robert M. Ansel as represented in the attached Agreement of Sale. Date ~ " ~~ Respectfully submi ck; ~~ ,// By. L Andrew H. Shaw, squire Sup. Ct. ID No. 87371 200 S. Spring Garden St., Suite 11 Carlisle, PA 17013 (717)243-7135 Attorney for Petitioner, Good News Consulting, Inc. Residential Appraisal Report Of Single Family Residence at 915 West Trindle Road Mechanicsburg, PA 17055 For Good News Consulting 140 Roosevelt Avenue Suite 206 York, PA 17401 As of 02/1412012 ....~ ~~n~a~ ~ a Absolute Real Estate Appraisals 307 Leader Heights Road York, PA 17402 02/26/2012 Good News Consulting 140 Roosevelt Avenue Suite 206 York, PA 17401 RE: Orville Zeiders 915 West Trindle Road Mechanicsburg, PA 17055 File No. 915 West Trindle Road, Mechanicsburg Case No. ZEIDERS Dear ClienULender: In accordance with your request, I have personally inspected and prepared an appraisal report of the real property located at: 915 West Trindle Road, Mechanicsburg, PA 17055 The purpose of this appraisal is to estimate the market value of the property described in the body of this appraisal report. Enclosed, please find the appraisal report which describes certain data gathered during our investigation of the property. The methods of approach and reasoning in the valuation of the various physical and economic factors of the subject property are contained in this report. An inspection of the property and a study of pertinent factors, including valuation trends and an analysis of neighborhood data, led the appraiser to the conclusion that the market value, as of 02/14/2012 is: $ 76,000 The opinion of value expressed in this report is contingent upon the limiting conditions attached to this report. It has been a pleasure to assist you. If I may be of further service to you in the future, please let me know. Respectfully submitted, Signature: i ~ ~~ Lisa A. Price Pennsylvania Certified Residential Appraiser, RL139094 Absolute Real Estate Appraisals Residential Appraisal Report File No. 915 West Trindle Road, Case No. ZEIDERS The ur ose of this summa a sisal re rt is to rovide the client with an accurate and ode uatel su orfed o inion of the market value of the sub'ecl ro ert . Pro ert Address 915 West Trindle Road Cit Mechanicsbur State PA Zi Code 17055 Owner Orville Zeiders Intended User Orville Zeiders Count Cumberland L al Descri lion 2 Sto St le House On .58 Acre Lot Assessor'sParcel# 22240783021 Tax Year 2012 R.E. Taxes $ 3,000.00 Nei hborhood Name Monroe Townshi Ma Reference Franklin Ma 2846 D8 Census Tract 0117.00 Occu ant Owner Tenant X Vacant S ecial Assessments $ 0 PUD HOA $ 0 er ear er month Pro rt Ri hts A raised X Fee Sim le Leasehold Other describe N/A Intended Use Determine Market Value Client Good News Consultin Address 140 Roosevelt Avenue, Suite 206 York, PA 17401 Is the subject ro ert current) offered for sale or has it been offered for sale in the twelve months rior to the effective date of this a sisal? Yes X No Re ort data sources used offerin s rice s and dates . Central Penn Multi le Listin S stem & Cumberland Count Tax Records I did did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not erformed. - Contract Price $ Date of Contract Is the ro ert seller the owner of ublic record? Yes No Data Source s • Is there any fnancial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the purchaser? Yes No If Yes re ort the total dollar amount and describe the items to be aid. Note: Race and the racial com osifion of the nei hborhood are not a sisal factors. NeighbtxhoodC Location Urban X haracteristics Suburban Rural One•UnitHousingTrends Pro ert Values Increasin X Stable Declinin One•UnitHousinga PRICE AGE PresentLanduse%. One-Unit 75 Built-U Over 75/ X 25-75% Under25% Demand/Su I Shorta e In Balance X Oversu I $ 000 rs 2-4 Unit Growth Ra id X Stable Slow Marketin Time X Under3mths 3-6mths Over6mths 6 Low 1 Multi-Famil Nei hborhood Boundaries This nei hborhood is defined as that area east of Lod e Road west of Sinclair 795 Hi h 261 Commercial • Road, north of Nixon Drive and south of Easter/ Drive. 203 Pred. 17 Other va°~and 25 Nei hborhood Descri lion This is a suburban nei hborhood located close to all amenities and ma or arteries of trans ortation.The area is close to Route 114, Route 11 and Route 174 which is ve accessible to other ma'or cities/towns in Penns Ivania. No adverse conditions noted about the immediate nei hborhood or the surroundin area at the time of ins ection. Market Conditions includin SU ort for the above conclusions The current market is stable with ro ernes that are dced to the market and sellin within a marketin time of under 3 months. Seller concessions are enerall not necessa however some sellers will use them to reduce marketin times. Conventional financin is the most revalent a offnancin at this time because of the lower interest and also bein the most common t e of financin FHA VA and Farm Home Loan Pro rams are also available. F'l Dimensions 58 Acre Area 58 Acre Sha a Rectan ular View Residential S ecificZonin Classification R1 Zonin Descri lion Suburban Residential ~: Zonin Com liance X Le al Le al Nonconformin Grandfathered Use No Zonin Ille al describe N/A Is the hi hest and best use of subject ro ert as im roved or as ro osed r tans ands ecifcations the resent use? X Yes No If No describe. N/A Utilities Public Other describe Public Other describe Off-site Im rovements--T a Public Private t Electricit X Water X Street Macadam X Gas X Sanita Sewer X Alle None FEMA S ecial Flood Hazard Area Yes X No FEMA Flood Zone X FEMA Ma # 420364 0258E FEMA Ma Date 03/16/2009 Are the utilities and/or off-site im rovements t ical for the market area? X Yes No If No describe. N/A Are there an adverse site conditions or external factors easements encroachments environmental conditions land uses etc. ? Yes X No If Yes describe. N/A • General Descri lion -- Foundation Exterior Descri lion >; materialsicondition Interior materialslcondition Units X One One with Accesso Unit Concrete Slab Crawl S ace Foundation Walls Concblk/Good Floors ~„ ear;~awoo°s°am;na,a,POO, # of Stories 2 X Full Basement Partial Basement Exterior Walls Asbestos/Avera a Walls Plaster&Panelin /Po T e X Del. Att. S-Del./End Unit BasemenlArea 520 s . ft. Roof Surface Com osition/Poor TrimlFinish Wood/Poor X Existin Pro osed Under Connt. BasemenlFinish 0 % Gutters & Downs outs Metal/Poor Bath Floor Vin I/Poor Desi n St le Ca e Cod X Outside Ent /Exit Sum Pum Window T e Wood/Avera a Bath Wainscot Fiber lass/Poor Year Built 1946 Evidence of Infestation Storm Sash/Insulated Storms/Avera a CarStora e X None Effective A e Yrs 35 Dam ness Settlement Screens Half/Avera e X Drivewa # of Cars 1 Att ic None Heatin X FWA Hw6 Radiant Amenities Woodstove s # Drivewa Surface Gravel ~" Dro Stair Stairs Other Fuel Gas Fire (aces # Fence Gara e #ofCars Floor X Scuttle Coolin Central AirConditionin PatiolDeck X Porch Front&Rea Car ort #ofCars Finished Heated Individual X Other None Pool X Other outbuildin Att. Det. Built-in A liances X Refri erator X Ran e/Oven Dishwasher Dis sal Microwav WasherlD er Other describe Finished area above rode contains: 7 Rooms 4 Bedrooms 1.00 Baths 1,026 S uare Feel of Gross Livin Area Above Grade ~ Additional features s ecial ener efficient items etc. The house has a front orch an enclosed front rch and a rear orch. The sub ect roe has r an outbuildin on the ro ert ,but no value is iven, due to de reciation. Describe the condition of the ro ert includin needed re airs, deterioration, renovations, remodelin ,etc.. The sub'ect house is in overall oor condition on the exterior and interior at the time of ins ection and no ma or h sical, functional or external inad uacies were noted. The ualit of construction of the - sub ect a ears ood. Are there an h sical deficiencies or adverse conditions that affect the livabilit soundness or structural inte rit of the ro ert ? Yes X No If Yes, describe N/A Dces the ro ert enerall conform to the nei hborhood functional unlit st le condition use construction etc. ? X Yes No If No, describe N/A NL -Residential 5/2007 This form may be reproduced unmodified without written permission, however, Bradford Technologies, Inc. must be acknowledged and credited. Produced by ClickFORMS Software 800-622-8727 Page 1 of 18 Absolute Real Estate Appraisals Residential Appraisal Report File No. 915 West Trindle Road, N Case No. ZEIDERS ~' There are 7 com arable ro ernes current/ offered for sale in the subject nei hborhood ran in in rice from $ 75,555 to $ 159,900 There are 20 com arable sales in the subject nei hborhood within the ast twelve months ran in in sale rice from 69 000 to 167 000 r ~' FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 915 West Trindle Road Mechanicsbur PA 17055 931 West Trindle Road Mechanicsbur , PA 17055 200 Willow Mill Park Road Mechanicsbur , PA 17050 411 West Marble Street Mechanicsbur , PA 17055 Proximit to Sub'ect 0.13 miles W 3.72 miles N 1.01 miles E Sale Price $ $ 153,500 $ 80,199 $ 137,000 SalePrice/GrossLiv.Area $ 0.00 s . ft. _ $ 145.91 s . ft $ 74.26 s . ft. $ 100.74 s . ft., Data SOUfCe S Central Penn MLS/#10195215/DOM260 Central Penn MLS/#10215839IDOM11 Central Penn MLS/#10207854/DOM103 Verification Sources _ Count Tax Records Count Tax Records Count Tax Records VALUEADJUSTMENTS DESCRIPTION DESCRIPTION +_ $Ad'ustment DESCRIPTION +- $Ad'ustment DESCRIPTION +- $Ad'ustment Sale or Financin Arms Len th REO Arms Len th ', Concessions Conv;4605 -4,60 CODV;O Conv;3000 -3,00 ,. Date ofSale/Time _- -- s3/11;c2/11 s12/11;c10/11 s9/11;c7/11 Location Suburban Suburban Suburban Suburban ,: LeaseholdlFeeSim le Fee Sim le Fee Sim le Fee Sim le Fee Sim le Site 58 Acre .35 Acre 63 Acre 18 Acre +1,60 View Residential Residential Residential Residential Desi n St le Ca e Cod Ca e Cod Ranch Traditional Oualit of Construction Asbestos Brick Vin I Brick/Vin I ActualA a 66 rs 62 rs 72 rs 52 rs t-- Condition Poor Good -30,00 Poor Good -30,00 Above Grade Total Bdrms Baths Total Bdrms Baths +2,00 Total Bdrms Baths +4,00 Total Bdrms Baths +2,00 Room Count 7 4 1.00 5 3 1.50 -1,50 4 2 1.00 5 3 2.00 -3,00 Gross Livin Area 1,026 s . ft 1,052 s . ft. 1,080 s . ft. -1,18 1,360 s . ft. -7,34 Basement & Finished Rooms Below Grade Full/520 sf 0 Full/768 sf 0 -2,23 Full/1,080 sf 0 -5,04 Full/528 sf FamRm -4,00 Functional Ulilit Avera e Avera a Avera a Avera e Heatin ICoolin FWA/None FWA/Central -4,00 HWBB/None FWA/Central -4,00 ' Ener Efficient Items T ical T ical T ical T ical ' Gara e/Car ort None 1CarGarCar ort -1,00 None 1CarGarCar ort -1,00 Porch/Patio/Deck 2 Porches Porch, Patio Porch,Deck -1,00 Porch, Patio Fire lace None None None 1 Fire lace -3,00 • NetAd'ustment Total + X - $ -41,337 + X - $ -3,228 X $ -51,748 Adjusted Sale Price of Com arables Net Adj: -27% Gross Adj : 30% $ 112,163 Net Adj: -4% Gross Adj: 14% $ 76,971 Net Adj: -38% Gross Adj: 43% $ 85,252 - I X did did not research the sale or transf er histo of the subject ro ert and com arable sales. If not ex lain N/A i ~- t, _ . ' M research did X did not reveal an rior sales or transfers of the subject ro ert for the three ears rior to the effective date of this a raisal. Data sources Cumberland Count Tax Records M research X did did not reveal an rior sales or transfers of the com arable sales for the ear rior to the date of sale of the com arable sale. Data sources Cumberland Count Tax Records ' ~; Re rt the results of the research and anal sis of the rior sale or tra ITEM SUBJECT nsfer histo of the subject ro ert and com arable sales re art additional rior sales on a e 3 . COMPARABLE SALE#1 COMPARABLE SALE#2 COMPARABLE SALE#3 ~~ Date of PriorSalelTransfer None None 07/28/2011 12/28/2010 Price of Prior Sale/Transfer $0 $0 $1.00 $1.00 Data Sources Cumberland Tax Records Cumberland Tax Records Cumberland Tax Records Cumberland Tax Records Effective Date of Data Sources 2/13/2012 02/26/2012 02/26/2012 02/26/2012 Anal sis of rior sale or transfer h isto of the sub ect ro ert and co m arable sales The sub'ect wa s not under contract transfer red listed or urchased 3 _ , , ears revious to the effective date of this a raisal. Com arables #1 & #3 were not under contract urchased or transferred 1 ear revious to the date of sale of the com arable sale. Com arable #2 was under contract listed urchased or transferred 1 ear revious to the date of sale of the com arable sale. ~. Summary of Sales Comparison Approach Com arables used were absolute/ the closest and most recent sales available. Ad~ustments were made in all areas of difference & re resent what the market will a for the difference. All com arables were from same eneral area or similar nei hborhoods where ro ert values were similar as the subject ro ert . Com #1 is similar in st le, a e and ross livin area, considered su erior in overall condition and su erior in bathroom count, basements uare foots e, auto stora a and with central air, inferior in bedroom count and had $4,605 in sales concessions to the bu er. Com #2 is similar in a e, considered a ual in overall condition, su erior in ross livin area, basements uare foots a and external amenities and inferior in bedroom count. Com #3 has a smaller site acres e, but is similar in a e, considered su erior in overall condition and su erior in bathroom count, ross livin area, auto stora a and with a finished basement, with central air and with a fire lace, inferior in bedroom count and had $3,000 in sales concessions to the bu er. Consideration was iven to the com arable #1 that was over 1 mile in roximit ,but it was still the best com arable available and best re resents the value of [he sub~ec[ ro ert . Indicated Value b Sales Com orison A roach 76 000 Indicated Value b :Sales Com orison roach $ 76,000 Cost roach if develo ed $ 0 Income roach if develo ed $ 0 The sales com orison a roach to value is iven the most wei ht to determine fair market value. • This appraisal is made X "as is," subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed, ^subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or ^ subjecttothe followin re wired ins ection based on the extraordina assum lion that the condition or defcienc does not re wire alteration or re air: Based on a complete visual inspection of the interior and exterior areas ofthe subject property, defined scope of work, statement of assumptions and limiting conditions, and appraiser's certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is 76,000 as of 02/14/2012 NL -Residential 5/2007 This form may be reproduced unmodified without written permission, however, Bradford Technologies, Inc. must be acknowledged and credited. Produced by ClickFORMS Software 800-622-8727 Page 2 of 18 Absolute Real Estate Appraisals File No. 915 West Trindle Road, N Case No. ZEIDERS Residential Appraisal Report The best source of information for an A raisal is b ersonal ins ection, information from the courthouse and assessment records, MLS Records, ast full a raisals, if available, on the sub'ect ro ert ,and to s eak to the owners of the ro ert . Information that was not available from the count courthouse the MLS and other sources as well as the owner was estimated to the best of the abilit of A raiser based on rofessional ex erience in the a raisal field knowled a of the t es st les and ualit of construction. All information available from the owner, was considered and verified. If information was not available, it was estimated. The term "Ins ection", as used in this re ort, is not the same level of ins ection that is re wired fora "Professional Home Ins ection". The a raiser does not full ins ect the electricals stem, lumbin s stem, mechanical s stems, foundations stem, floor structure, or subfloor. The a raiser is not an ex ert in construction materials and the ur ose of the a raisal is to make an economic evaluation of the sub'ect ro ert . If the client needs a more detailed ins ection of the ro ert , a home ins ection, b a Professional Home Ins ector, is su esed. There were not Environmental Hazards noted b the A raiser at the time of the a raisal however the A raiser is not a rofessional in the Environmental Hazard Field and observations are strict) o inion. If the client has concerns as to an environmental uestions ertainin to the sub'ect ro ert which were not a arent or visible to the A raiser it is u to the client to contact a s ecialist in the field and a stud should be com leted. The Intended User of this a raisal re ort is the Lender/Client. The Intended Use is to evaluate the roe that is the sub'ect of this a raisal • for a market value, sub ect to the stated Sco a of Work, ur ose of the a raisal, re ortin re uirements of the a raisal re ort from, and Definition of Market Value. No additional Intended Users are identified b the a raiser. • The sco e of work to com lete this re ort used the sales com arison a roach to determine fair market value. The re lacement cost is used onl on new construction and the income a roach used onl when the sub'ect is to be a sin le famil rental ro ert . have ertormed no services, as an a raiser or in an other ca acit , re ardin the ro ert that is the sub'ect of this re ort within the ~. three- ear eriod immediate) recedin acce lance of this assi nment. ~.< I COST APPROACH TO VALUE if a licable Su ort for the o inion of site value summa of com arable land sales orother methods for estimatin site value ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE _$ • Source of cost data Dwellin 1,026 S .Ft. $ _$ Qualit ratio from cost service Effective date of cost data Bsmt. 520 S . Ft. $ _$ Comments on Cost A roach ross livin area calculations de reciation etc. Gara e/Car ort 286 S . Ft. $ _$ Total Estimate of Cost-new =$ Less Ph sical Functional External De reciation =$ De reciated Cost of Im rovements =$ "As-is" Value of Site I m rovements =$ Estimated Remainin Economic Life HUD and VA onl Years Indicated Value B CostA roach =$ INCOME APPROACH TO VALUE if a licable Estimated Month) Market Rent $ X Gross Multi tier =$ Indicated Value b Income A roach _ Summa of Income A roach includin su ort for market rent and GRM PROJECT INFORMATION FOR PUDs if a licable ~, f Is the develo r/builder in control of the Homeowner's Association HOA ? Yes No Unitt e s Detached Attached Provide the followin information for PUDs ONLY if the develo er/builder is in control of the HOA and the sub'ect ro ert is an attached dwellin unit. Le al Name of Pro'ect Total number of hases Total number of units Total number of units sold • Total number of units rented Total number of units for sale Data source s Was the ro'ect created b the conversion of existin buildin s into a PUD? Yes No If Yes date of conversion. Dces the ro'ect contain an multi-dwellin units? Yes No Datasource. • Are the units common elements and recreation facilities com lete? Yes No If No, describe the status of com letion. Are the common elements leased to or b the Homeowner's Association? Yes No If Yes describe the rental terms and o lions. Describe common elements and recreational facilities. NL -Residential 512007 This form may be reproduced unmodified without written permission, however, Bradford Technologies, Inc. must be acknowledged and credited. Produced by ClickFORMS Software 800-622-8727 Page 3 of 18 Absolute Real Estate Appraisals File No. 915 West Trindle Road, Mech. Case No. ZEIDERS This appraisal report is subject to the scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. The Appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual inspection of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. DEFINITION OF MARKET VALUE: As per Fannie Mae the definition of market value is the most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions' granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in thisreportis subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be performed in a professional manner. NL -General Certification 5/2007 This form maybe reproduced unmodified without written permission, however, Bradford Technologies, Inc. must be acknowledged and credited. Produced by ClickFORMS Software 800-622-8727 Page 4 of 18 Absolute Real Estate Appraisals File No. 915 West Trindle Road, Mech. Ltl APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or othervvise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event. 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. NL - Genefal Certification 5/2007 This form maybe reproduced unmodified without written permission, however, Bradford Technologies, Inc. must be acknowledged and credited. Produced by ClickFORMS Software 800-622-8727 Page 5 of 18 Absolute Real Estate Appraisals File No. 915 West Trindle Road, Mech. Case No. ZEIDERS 21. I am aware that any disclosure or distribution of this appraisal report by me or the client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 22. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signature ~ Name Lisa A. Price Company Name Absolute Real Estate Appraisals Company Address 307 Leader Heights Road York, PA 17402 Telephone Number 717-741-4277 Email Address laprice(c~yorkinternet.net Date of Signature and Report 02/26/2012 Effective Date of Appraisal 02/14/2012 StateCertification# RL139094 or State License # or Other (describe) State # State PA Expiration Date of Certification or License 06/30/2013 ADDRESS OF PROPERTY APPRAISED 915 West Trindle Road Mechanicsburg, PA 17055 APPRAISED VALUE OF SUBJECT PROPERTY $ 76,000 CLIENT Name Tina Ness Company Name Good News Consulting Company Address 140 Roosevelt Avenue Suite 206 York, PA 17401 Email Address SUPERVISORY APPRAISER (ONLY IF REQUIRED) Name Company Name _ Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date ofCertification orLicense SUBJECT PROPERTY ^ Did not inspect subject property ^ Did inspect exterior of subject property from street Date of Inspection ^ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ^ Did not inspect exterior of comparable sales from st ^ Did inspect exterior of comparable sales from street Date of Inspection NL -General Certification 512007 This form may be reproduced unmodifed without written permission, however, Bradford Technologies, Inc. must be acknowledged and credited. Produced by ClickFORMS Software 800-622-8727 Page 6 of 18 Absolute Real Estate Appraisals COMMENT ADDENDUM File No. 915 West Trindle Road, Mech Case No. ZEIDERS Borrower Orville Zeiders Properly Address 915 West Trindle Road City Mechanicsburg County Cumberland State PA Zip Code 17055 LenderlClient Good News Consulting Address 140 Roosevelt Avenue, Suite 206 York, PA 17401 Scope of Appraisal The following process was used in the appraisal of the above property listed. 1. Instructions were received from the lender/client to appraise the above noted property at the address stated. Contact was made with the lender/client and the appraisal assignment was accepted. 2. Upon receiving instructions from the lender/client, an appointment was arranged to inspect the property. At the time of inspection all facets of information taking on the property were performed by the appraiser. The information at the site was gathered for preparation into a report. Photographs of the site and/or improvements were taken in/or accordance with lender request and that would conform with Standards. 3. The subject site, any improvements thereon that exists and legal description, were researched through county records and by personal inspection. 4. The MLS and Public Records were used for the gathering of comparable sales (at least 3 sales) that could be verified. The comparables found were absolutely the closest and best sales available. All comparable sales were also researched. Note: The source of public data used in the research process for this appraisal was assumed to be correct. Also, MLS records were used in finding comparable sales, with that information compared against county records. 5. The Appraiser analyzed all material and information gathered to check for validity, correctness and specific information that go into making an appraisal report. Verification of information was made and at the same time determination was made to make sure that the information gathered was the best available. 6. The information gathered was then put into the Appraisal Report, either by report form, or by narrative form by way of attachment or addendums. By Appraiser, the Appraisal Report was performed in compliance with USPAP Standards to the best of his or their ability, this applies to any other assistant or appraiser that has signed on this report. 7. The Appraisal Report, all addenda and all available photographs of the subject and/or comparables were then transmitted to the lender/client, either by mail, a-mail, PDF file, courier, etc. COMPETENCY OF THE APPRAISER: The Appraiser of the subject property noted above and developer of this Appraisal Report has knowledge of the area of the subject property and the comparable sales and has appraisal experience to complete this appraisal assignment herein noted. Produced by ClickFORMS Software 800-622-8727 Page 7 of 18 Absolute Real Estate Appraisals SKETCH ADDENDUM File No. 915 West Trindle Road, Mech Case No. ZEIDERS Borrower Orville Zeiders Properly Address 915 West Trindle Road City Mechanicsburg County Cumberland State PA Zip Code 17055 LenderlClient Good News Consulting Address 140 Roosevelt Avenue Suite 206 York PA 17401 5' 4' Porch 4' t0 Family Room 9' Bedroom 30' Kitchen Bath 11' za Liung Room Bedroom 8' Porch g~ 1st Floor 6' ~ 6' Porch 10 SKETCH NOT DRAWN TO SCALE SKETCH CALCULATIONS Perimeter Area Llving Area First Floor 690.0 Second Floor 336.0 Total Living Ares 7026.0 t 1' Produced by ClickFORMS Software 800-622-8727 Page 8 of ' 5' S' 2nd Floor Absolute Real Estate Appraisals SUBJECT PHOTO ADDENDUM File No. 915 West Trindle Road, Mech. Case No. ZEIDERS Borrower Orville Zeiders Property Address 915 West Trindle Road City Mechanicsburg County Cumberland State PA Zip Code 17055 Lender/Client Good News Consulting Address 140 Roosevelt Avenue, Suite 206 York, PA 17401 ~, ~. --- ,~~, - ~, ~"' - Produced by ClickFORMS Software 800-622-872 FRONT OF SUBJECT PROPERTY 915 West Trindle Road Mechanicsburg, PA 17055 REAR OF SUBJECT PROPERTY STREET SCENE Page 9 of 18 Absolute Real Estate Appraisals SUBJECT PHOTO ADDENDUM File No. 915 West Trindle Road, Mech. Case No. ZEIDERS Borrower Orville Zeiders Property Address 915 West Trindle Road City Mechanicsburg County Cumberland State PA Zip Code 17055 LenderlClient Good News Consulting Address 140 Roosevelt Avenue, Suite 206 York, PA 17401 OUTBUILDING (No Value) F; } ~ ~ •` __ ._ _~; r ~. ~; ~ ~,, KITCHEN LIVING ROOM Page 10 of 18 Produced by ClickFORMS Software 800-622-8727 Absolute Real Estate Appraisals SUBJECT PHOTO ADDENDUM File No. 915 west Trindle Road, Mech. Case No. ZEIDERS Borrower Orville Zeiders Property Address 915 West Trindle Road City Mechanicsburg County Cumberland Slate PA Zip Code 17055 LenderlClient Good News Consulting Address 140 Roosevelt Avenue, Suite 206 York, PA 17401 ti :~ 1 ~ , f ~ L i , ` • Y _ ~~~~w rf~lli~'~, ~ -~ ss= ~ ~, '~ ~~ ~\ FAMILY ROOM BEDROOM BEDROOM Produced by ClickFORMS Software 800-622-8727 Page 11 of 18 Absolute Real Estate Appraisals SUBJECT PHOTO ADDENDUM File No. 915 West Trindle Road, Mech Case No. ZEIDERS Borrower Orville Zeiders Property Address 915 West Trindle Road City Mechanicsburg County Cumberland State PA Zip Code 17055 Lender/Client Good News Consulting Address 140 Roosevelt Avenue, Suite 206 York, PA 17401 BEDROOM ~, -~.1. i r~~, ~-.. _ .~~,~.T ,.: ,. ~, kv.~ . .k ~ _ _ , „~.,_ , ~ td'~ph~iq.F .I ... ' ~ . ~ i' 4`~ ~._' ~'`~ yF -. ~a _ ~. -~.'-- , p : ~~y t yx ~~~ 4 ~~ ~~ ~M1 I BEDROOM BEDROOM CEILING Produced by ClickFORMS Software 800-622-8727 Page 12 of 18 Absolute Real Estate Appraisals SUBJECT PHOTO ADDENDUM File No. 915 West Trindle Road, Mech. Case No. ZEIDERS Borrower Orville Zeiders Property Address 915 West Trindle Road City Mechanicsburg County Cumberland State PA Zip Code 17055 Lender/Client Good News Consulting Address 140 Roosevelt Avenue, Suite 206 York, PA 17401 ~l J ~ ~ . ~, _ __ _ ~~. w .;~;.; . ~:: ~f{L ~. ~- v;,,. ~ t~{• :' . ._ Produced by ClickFORMS Software 800-622-8727 BEDROOM CEILING Page 13 of 18 Absolute Real Estate Appraisals COMPARABLES 1-2-3 File No. 915 West Trindle Road, Mech. Case No. ZEIDERS Borrower Orville Zeiders Property Address 915 West Trindle Road City Mechanicsburg County Cumberland State PA Zip Code 17055 Lender/Client Good News Consulting Address 140 Roosevelt Avenue, Suite 206 York, PA 17401 ;;: .F a ~\ ~ f ' ~ :,`~J ZK v ~,~ ~_- ~ ~ _i __ - F - -- ~~ s ~ °, ~, `n , , r" ~~- ,;. r r:; _ ~, . ~ - '~ ,fir i; - ~~~ ~ i~~~ ~I - r ~ t -.Y~ ~_ -______ _~ _ ~ ''` `~ Produced by ClickFORMS Software 800-622-8727 COMPARABLE SALE # 1 931 West Trindle Road Mechanicsburg, PA 17055 COMPARABLE SALE # 2 200 Willow Mill Park Road Mechanicsburg, PA 17050 COMPARABLE SALE # 3 411 West Marble Street Mechanicsburg, PA 17055 Page 14 of 18 Absolute Real Estate Appraisals Tax Map File No. 915 West Trindle Road, Mech Case No. ZEIDERS Borrower Orville Zeiders Property Address 915 West Trindle Road City Mechanicsburg County Cumberland State PA Zip Code 17055 LenderlClienl Good News Consulting Address 140 Roosevelt Avenue, Suite 206 York, PA 17401 daMt ~`• t~o F>j o.4aac. ~--' ~pa'~o `~~l ^~ ~ Y 4 ++ t52 ~ .-- ~~ i al6ate. ~ 6 ~t y N+,3 163 ~ ~ ~'' ~ s ~,-" rya °7 ~ 1.57,gc ,~ nn..n. ~'' ~ ~~ .x.- 156 3 ~f~ ~ ~.~ ~ ~ 21 ,.- . .. ~'~ ~~ ~ ~~ ` 43 1 GbbAe. ~ 45 P) .. ~lts~e¢. ~ OS6.he ~ ~~ ~ ~,~ srsz7lc. h ~ .. ~~ ~~ Y' - ~ DA ar ,e'er - _ .. ~ ~ ~".. ...rte 17 k. µ ~~ 19 ~~ 3 V ~u ~ a.ls asr ~ "° a ~'~"` et ~ (l'~ o t3 'b ~i s ~ 9 ~ 1 ~ q k. t '--''~A ~~~ S ~r d ~"rte y___'-'rq_py x'14 _ 6 ~gy m ~~`' 3 ~d G29JIC. {1 0 ~o,~ pt9lk $ i~ ~ ~ > ti~ ~ ~~ r° ,_~ ~~ ~~~~ ~~~` 14 '~ _.~--1 3 7 a ~ . 8`~ h ~~ $ ~ ti E ~ ~ ~ E7 O.t3 K. ~ G.tS C.19 ~ ~' 051 ~ $ 11¢. 'ca M~' `~~ ,~/` ~ ~ ~} _ r, • r ~ ~) ` 6,005 ~ 1 O~CI l Mal>s ~L• Produced by ClickFORMS Software 800-622-8727 Page 15 of Absolute Real Estate Appraisals FLOOD MAP ADDENDUM File No. 915 West Trindle Road, Mech Case No. ZEIDERS Borrower Orville Zeiders Property Address 915 West Trindle Road City Mechanicsburg County Cumberland Slate PA Zip Code 17055 Lender/Client Good News Consulting Address 140 Roosevelt Avenue Suite 206 York PA 17401 _--- "~ ~~ ~~~ `~ `~ ~ .~~ ~-~ ~~ _ _~- ~~i ~ ~ I ~-.~- ~I _ - _ ~ - .~~ - ~I ~.- ~ '~ - ~ ~ ~ ,.~-~ ~ ~~.,~ .-. ~ '~ .~ R.~ t ~ ~~__~ F ~,--° ,' ~% i t5; ~~ Produced by ClickFORMS Software 800-622-8727 Page 16 of 18 Absolute Real Estate Appraisals LOCATION MAP ADDENDUM File No. 915 West Trindle Road, Mech Case No. ZEIDERS Borrower Orville Zeiders Property Address 915 West Trindle Road City Mechanicsburg County Cumberland State PA Zip Code 17055 LenderlClient Good News Consulting Address 140 Roosevelt Avenue Suite 206 York PA 17401 i~ a,.:, 'fin R, r o \= Nee^~ Ki~as?o~a,n -~F+_ ~:n ~i r4 Ir ~ 1,15;ri.;l Aqh F-.., I- al~'.~ Roxhurt~ SY ti li'i~; ~~ n: ~~' ~i7~'. .a a.. 4' y C acd gape r 4 ~~ f~-~ 3 ..tv'iiv n .,_ `' :, r _ . `~~a~, ~.~~,z^~ 3 rx41' Fla eQ ~' u t_d :? -~- H=..en `~T~'"''~ Nt~inai~~ Mdl t-IUSLiJnS tv111~ ~{~ s` ... 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Buyer's c,;iron. and, ii - °roitlccl, any deFJO is to»deFed ;1:~y the Salver wdii be ?..tarried to t'cfe ~t<;rcr withour a._y regtiireme»i f~1r ~oiar7 acicr,,. . ~f3FitCi~ E:~~SS3.#Ek)3tS.fdk't; 5;1 i ~) 'j ~~y - I3urer `scfftt Fait,.r' -.,'_ =4<~tt ?hgc 2 of 1. ~e:to;-~t>:iaL:_~,..~'i.!?~~,~ ~~ „~r3s~rY llli9 2 of 8 4/23/2012 4:37 PM Gmail -Images in "e-mailing contract" https:l/mail.google.com/mail/?ui=2&ik=e422e9a473&view=att&th=1... CCF04232012_00002. j pg 7. ;+~ n'~€1~$z~f7.~.-+d,Y ?3~;L5~i3.V-4r:, i'i`2~?Ps~w~F' (3_-~S;'j . (P ~ T#~C`Lt.11?z'I' in el]is Sale ~•I 4j. ^x3,ttii;? zcm t,err+Iaz:z~ 4 ii3ss e~ ~i ~ z '' o er`- t Le Ll '1 ~, an7 `~ ~iiSI1133.(i1V~ {I"' , tFit„atCr~,rjJOr' t 1~ o ; fr ' ~+ ~ ~ CtF"'r ~C27'y nC Ct: g , i .,1 '1 i>t UtCs , R u ~ ~. Ci'a'a~e iP5 c1. U. 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F,~ 15a'j: (i10- O7Ni5Cfi Uj ~ :... ers, ~'v:Izac: the t?...V,zl.:'.r;~Vl'.,d0r tv, _ifUA`C ti..rrri]A~fC ;r ~ i ~vstems pro r, }> zl.).<s_ sa#z li.e c=",s„es al:d szrur ~,' sest~,]ls;: __ te.k.- ~ ~_.e: ~zc~a; ,~t.r ~) c,;YCLt,t"a~ tYtli;es aac Iie'ris: __ ~~ '--- - .-h _____T~ „~-'v:4nIFL) ~.s s.i? is ~£3"I olltiil~=erro,I rlortgn_, r ,r 5 , e fiaa c.,,~;, aitlioug:I Biz1-er n-aay oatanz ;ro~,:gaQe fi]ancing :=_n~-vor tine par- ,cs i]lay lncl! :e u,. a~praisat Ltan,.ingeney. ~LEi'TE~3. 1 'lilis sale is e< <i;lgeazt tz~+or, 13u -ex obtsinin? irnrt7• vz - y ~, gab 1, .i;,-.ii]g 1 ~t7;.C>rg is the follatvail` ierr._s: T<is~st ibtot3gage Jra ~'tz' ?~r®~ei•~,' -- Iaan A.incro,,,-nt ~ _ ___ ~ .~ ~rlinii:2ciln Terlit _ .. ye~'~ ~-~~:',`~1T.,1---- TLpe cfTncrtgard _~ ~ Iaaz 'RrUaltte (Li~,'~ ratio; cor non-Ft`if~iY<;1.os<zs LIV razia not to c.~ceezl +:'tortgage 1txider ~~. ~- _ I?1ti,~Y.st late _ _°io r:o=vest '3ta3•er agrees iti^ iae •clrt ttf i sate. e-sE t~ata? s ~ ~v be sis~::ai~'esi uti• ra4e ~1ort~age sszzate3~ r t ~ fo e;.cee~ a ,ik,,i,3 1LI': i. cez s# ra'e of_ %. - r3iscouzli iIO nts. i<7{t orcn.l:aiicr loan. pls.F.Tl_ei]t ~ ct otE,L tir3 aalgeti ley #i]~ •L ~... t.e a Iiel~cealT.age vi file II~J!`tgage #o.. , t,•.;.,li t ?z]g 2i3y t;?Or[va~: Ii57%r"t1L:'~ „)rCfTii7li]'i~i^.7 l:fj i:3rtl7iz;~ CCi RG' :;; Y exeee~ ~•o (Je ° tf r,oi _<pi~:i#ie3) v< <ne artatt~ „ iLar- ~s;rips~d I~Fi~l-~age t;_n :rte rezpW~•ts' .onllAira'»R#$ __ :4tilartaurt 3en-r T_ ~~ ~,ea;s --- = "sYl%e of'inortgage______.__.-. __~ l.caal-lb-Value (iii} rar:;7: -- _- -' For non-F i?,IVi~ Icans L%'V rat: c, J 'ic ~>ce•: ~.~ ~,: Mertgage?ender -' ' ~-tte-e5t ate ^ °iJ 'muev ~ri'yet agrees tv ~c~ept t~.e iriPrr~¢ t asnaag~zacaalassv4t;ayt~e:a.~3rtgaa;eierrd~r;nnit ~xc~ez=Z ~ .axa~]~u,-zI 3nir~it^strtte o _%. I t3isc•,,t-.i i v~Y 3 >ar, oTtAinaT:ori ono ?c~z-~:,nt eaai_ ~ttlL le;'e Cl'.a g,~{ t v 1 E ?,.nCt,.r 8S .. ,.Yrre.'liua„ Ll_ .i]c tllUT"~agz {v1, l~"£1'-?C- } ii]g ,r. r]:)rtgas? ~::t!.^a .,. i,.e~.,.E.:a cr V, ~ i„Pv:rin ie`j iict io ehC CG o- Inns 1 _ _ - ,- /o ;v o riQ ~F :. ur C° 33. Lii,e3~ Io',:'i. 31 Tt e interESi i s arr~ it' { ( ] ~ {~' ,.YcsaSi:ms In Para lafi ~( , a,e sat s red 't']e I'arga~t, li ~r , g-, s Su}c2 r~z iq ~ua-- a,-ztre r ,e ntL s; < t 1 a_,c{ ri:t(sj st or i;~ic,cv .:e 1:3..~31rttn, levels 4~Qie,d. iFtettder!a nrv.s 31ry I~,, r~ if t:, irc'< ,,. tt..e;._:~r- es rate(s) ~tryt, v . c s.~ t +u.st _ ~a}s'~ ,o t S t I4.2tzat ~a~ 7u ;. - 'res ~~~' , ~, $i , ~ girt, at S ~ e, Si,e " 7 Or a C: vs pe„nlt*er b} # =v a ~C. ttze to "gage le (Ier(cJ #t' »..,si7 t t:]ars lai~,~, , .,,~oztt croa,l s_ u, rC._~at.s.,i71 I.t, tJ rte fit.}er ar,c~ .~r ride rlurtg L i ;i {s) o ins' the abet c mor:"ga c faFr] s~ a „ ao'e J ,3n e 1 t. ,., ~ (C; >v1,11;t-1 ~a?-~ 7 ,* 31i)t sn L t~ ~c) t o n the i c .Iio ~a Df i-ts rti.re , Y.i °-3 fr i, to comaiP eu, ~ u eil Inoi.- - ' a'TC 7ppl~ atSzP { L i t.ng Fit, ITICnt t7.. 11Lt Q tlu R~ l3 Fri a1S~i R L'rC'Li7f - ~iUr}c Y11 Gilt 'r"lay 3 irC riIll Ct.{,ii.^GL~ ?~y nd r*s)1 ~ t§~ r ? :gage tt-IZIS w..~ cc to .Iron _gL iat s r s? ~ : t i~ . ;z, P gra~F: n~ . .:, ? , . 0=1,,,rwise. to z .~spE7.:lsi_:. 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C ,iG~:c:'yai'Ji .~ ~ ge>_7 r..?5~s .:i >,r -, t lref3rs ~ 1.. ~ou~e ~ r .a^.'S;.^t ./a.tu~?I., ~.:Ite: .. r..3Li~.i,, tu. ._.C ..C:; SCa t; t_ <C._. , ~, _..___._._.~_._.__~__.._------ J -~ J }. i5 72i1C ..~ Ti?r3C .. ,. 7:'.'.5 7T2::z'^ -^_?'IC1J5 -_>rc~i"1CC: S ~3 ,2 t~ _... ?. ~t.,;~~' G.';;CSti t: ;;'i.,..a ., rs2 5?,;C.3 .''C: 'i,'J+.2' 4~i:k"fttlS ~ ~~~ «`,,..-!"! . 9 -f OF x ~ ''~ 1 ri' 4 of 8 4/23/2012 4:37 PM (imail -images in "e-mailing contract" CCF04232012_00004. j pg https://mail.google.corn/mail/?tu=2&ik=e422e9a473&view=att&th° 1... _.._ ..~., „~•cs :::ar rC:F3la;,, Lute -t _ ,, ,,.,,. at:.~, o catlc~n - . - ,_ ?F Q:rELtiy S2FCF ps~inan C2S CLtAt t'ernain UnCC and t rat .SCI%e: ~ -C14S Qf r -( OI 2' n ~ - tp:iJ.R~.. sC..,.I. uR,a o t,:7r~ OIl~2t 7P ...6t :Otz:d CaP~:1:ai:.,. c GlC,.a- lV S-.filer kno v5 nF; O OIrler GOtCt7'~ia.l L+oi- jig ----- ~ --.---' _ ~ Qia to s, aa~~.aF'~.ssesssFrents except as aol ~,,,,; " 1~1 ~~cess to ~ c rbi;c r- o~d may rewire issuance of a iehtua; oc~uca:?cy iaern ;t f ant i} r ~' ~ _ - 1f3. 'vl'~V~'~ f3~ ~~°,"€'t'!~~"~'~'l~'~ c~-fI5) - - "---- 14' €his t9mteene€tt- 3s cUaszlneer:t e t '~•s 9 c, eP :T n tt t' t , t,sp~rta nr, -......_ _._ corRdzt'o , qe1 s ag t sc trzs?ee ~~,~cr r I).si t,t~ 1} cep } yr to Ye ns laeFaTa~3rfer3, ee; tFireut_oa~s, aoatancr classst€catlc,r e.rk ias€are to e~e,mise an• ;t£ Paz;- t °se: iez ass a)€tee. i~:3'nx a,aaiaa.~ r~~ ;r' e eFsf3trya ett~zY~,ts;.etstr~d .~' ,re s optatA~ ,s sa~tFttm 2rw t°,«es s * x4a[•f„~ ~xt ~~iJ .#~recnzesaf Es a 4' t,r~c~:sag glas 1'tmWe t ~•, tit ~: 's 3eI o a accepts the ~a•©~zrtb an€1 a;,•ces .o ttte ~_~ r' ~t5y .r~ ~la•kg;t at~,r w? ot` tPlc cgs eetneTts.. b1 d?tiyP~CT9C37~5 (I-Tt3~ (see I~>ot:ces .iZegarditzg i'ran~ ~y ar,c' srtixtinn?cntal insp~ctinrts ~ ~~ tj E rnr N~rtjIE~NS;t~} ati'sri it1) Rrglrfs stir ~esponsit~ilatdec - 1 Se ler K-t1t }.ro.tdc, 3c„ess o insurers r n-cs s s tveyors rFU :! en -zh~ cs a ,d , z:F.}} !-ae rec}tI rec! 17v t~ta Air :z2~ ,t er• t,; n ~ ~~ f,Zx;~ci ~ t; r4, t na e?~i aal,, api.;r :s ~ acre, a ~t) •c,ot t~'. ar'tGC , or t„s~ i I3t;yar `z~ v i a?re a , ,_ • ~ uzt~ tl~~rr n a<wn e ltccnSev z ny t at*Ff .~~ y in~I ~id;i ns, e-setttanient wa,h #rirott~lF i tspc^~aet>. of tt L °rcp:~Fh i; rYdr ~, ,i3t1,. Ca ,t...r,3ot, tlcii€ is not s; any otl-er prc7t::*zon or ;}cis Agreement. + ~Ql~er tvtt h.r~,o ~, zit,eci {}= eF,tSTE ~ ariti ate ttta:o ',: b t es {iizciuuan~ ~a~ r~ > , ~I ti~ ,Ili(3C1201~ 1i"i k~'tng lF Q2ne lnSj7c',CtOre_ arC aU71ZaP.Zeza ~y ?)~f3f; r)Z' il;; 1€ S~ Cg,x'Sf65 a'4t~y Ytt,i ~3 S ~e lcr h4.e ; n *h - e:' c x'trr"dc tUr.' ur tn~aE. , t tic,i)a f a'3 •ait . R- ~:s« ~, ~ tlmn request, ,o r°ce)v>r a fia, a F ~+fau tI>.~~cc°r n r'w r ~ Qr...a . ~Bi rsuy~ wa reG er ,e is wt Bsy~r c n~ e i- t r ;.~t3 fro-r,'tire,k.~r :, vn~ +t r. w z r ?I^arett. e F3C ne O .. 3 .. ld fcflQv/ K tnst :iCr2c rcri,.lld ti7 y dr C. cs 3 rUE o (7C v :OC). to :^ -FSCecf%on , {*~sc~~f,a s' j u rIL,=1 c ny prv+ 5 tQ 1<a, ci, ra^ itCC, Sed Ot )ttrt'MSS ~tedi t ~ ~tGiS fIQ,?t =7yp? ~n_S LnL,t. r -rS , w at ,L 7 Z, r 0?u`A'7€ i=~ ,ed „ f'.. iS an t,S F.,tL Sa"I e it Spf,Ctar t~ ti c,a ..3 > a' -. pi, J~ ~.~; Ci2c.) iOiYie i, a '"t, i,tA t,.aW ~ 'Li.O .. t 1 Z 0:.8 S) 5.~....!, £~t '. mu~.,,z,<., .. E~}i C4~l;i- _ P ee. ~raitoe R ear;i*_2 r~ -T,~tnP : ,speuin;~ 4 C; i ar elected h-1n ~orzsl t3z.ye ,+•i>3, ri t?yn tLe gun tns~FC~ : Trod{s) sit u it a ~ ~Ctt 1, f ,p,,plefe ?r.,;r,c.4-ticn c~,i<iA: e:;31' ?rspe,ctictn '~ oo~t~ ar t s Its t;.ererred to s itepar~ o "itey~;nts L~ rrten C:az e .~ ° 1' +}~asaUsj ro S:iler, ac 3, ant. ~c .. Nt ~ x u;:;e , r.?,,: t, ?t;is ~~ rye;)<~e~t ,. 5 ~l,:nt 4 ~.TE 7 Lrr(, 'ti 2s C. .. 3r&y~'i? 2i _J1. orne,F o~er?~ Iz 3~eeeioEt; a'tid t,x i'F3'Q*rS,~ errt~a B~ ,a d~ (rtt i t mr• , . ' ~sestea[ tsu eF• t z~ at;•'t. an :rF.Meat,a~ of the c?-aoerty s sst* t ra'• c __ dca s, e ~iU ~ u t , F ..ai~n ~ . ~ .. e.~te ~_ ,t ~ v ,d o. ,,,,r ` ~° ~~~~, - - ~ ` S, 7a .'#~37Q A3Sti13tta1? 3Pd 1 4n15 5y{ ' 1 c131Q 57d-. 21`DiIaSC~S; Cl C.tt7 .i. ,~ S'~ 1'1S t'2eCZla -siZ Lel 2 f3.c d E f'". a '~ nc1r i Sj)J a; , ,t s d COJ"S i3 rlor pl r. biib U 1-" S.,,la, y, ~.. a i ...<. > tC, .OC; !t` '.....:-".s,.-... rF~ cvsr o v,a rAaet a~Ean ,:iccl3Ftr~n ttc, q..lc+s vc*ar;d~ u.r~ flc~-t ta.~ t?c ~ ~ ,c.L..zc sc a;N ;aotag;, r•o' and ctl 4 ens rot ~Ferta, t-,.z~ress ;t -, (~ n3t r F ~aalz ti ngcsw ac z 3 .,~s~ `t ~;,, , s a,<s, i~ ~ a 3,y cite ~t rs R, v r ~, s c~. Ff~,tie, „F r tut -, aVC 2 EtC+ .2J E. t...ji l} - U T't -.S aLJ? ,' Li I .:~e n ,s.tic> at ~ ;~•. to ._or,1e t Sne tio-t rrL,s£ o,. P ) ra c' ,y `: -~L t' ! a ac,s; .; au : ~ ..~# It,]?Ic' tIlu C Q~ aSSo (,tati4 f 7 ~. pet r n c..r'1 `i s.,c a ..e t ~ , r 1t ~- a_;,c,rda f - P . ~ rC.1va-. ct2LC r J i ~ `ti 2 3 Opt t. y ~ 2< z t, * 7 ~ ~ , ' i4 , .i; °"4S a,Ad Q e a~ Ca 4't Q '~7~nt. ~ s° ;. t 5.,c}~,:.rv ,,..:. ~.:,~,:. I ' a ~se d ?once, o-~ct-F ~_t. S ~o.c_?~~~at~:at e._c+I, :..~~.~,~~.c,__ ~ ~.; ~ ,, eM.,a;;~ '~o a In nst i etE ~~ c ;;uE n ~ tr~a,.~ oz r,tten vt nod- if> o r , , ,, .t 7s r ~ [ Qtr f z ti* z k ~~ r >z s, t ,+t -F~~ nc : Best Pytn , t s s p~~tstae pp r_uior a v ttI :.t , , _ ~,~,~ ..,_ C 3 v Cs ~ a) .C ,3. Q l t l : 1 f - i t r 0 ~ by tic ~t~ .cr Q S !te t. i~;,;p > is to be >-r d.. sa ,acs ,~ to n .r c.n r} t „ ., 4 r ' gage 1.°.a7 Lr,: qt .r ~,e t~,,:nCl-a< t•edzral IIlSll.tr r. tY ~ i..+I, ti- _..__ and ~i3t c P L„ ~ Cn^ C t I~rG'T y f }r ~ i C rC 1i.•nited c ~1 :,,t,atl;-SialQ;C and zcc sa ot, areas or at' Ltt^tures . 57e ?r~rzc, y. ez.~ r` ~,,~ s t >e .z 5r , tl~ct reveals ~ Fsz,zr'es , aQn(s;.. Buyer, at ~aaSer's xaer~sc, may a~Eat ~ a Pr~tx,5a1 f tin, a z,ccd-d ,~tt~ rl.:cz { t. +s ~^v- iieide api ,,tcri~ ., ,at fine PrQpcrty. 1~'tl,e Tt?st;ectlo:• ravcals d:Er~aae frn,:, acri; e or p e~:at>s i ,1~._:..t.c,„( „ x3ttyer "ta} ob~In tr,ttcn P~cpa:-i `rarF a p a}essio)ta( ce,,saciar.l7cP¢e nshecror er strE;c~u-a'. enainPe., wrat is l,mi£ec £e st.ac;=.<ra, datna~e to t1Fe Prcuel2}: caused ay ~a~eo4-cest:oyirg or~anisins antia'rapesal to rc;;a r t;.c, rropern~. Y~adoEa _ luEeeEed Buyer tnay a~tai;? a -adon toss of :, ° Proper y t<rrc a cer€i~ed A-r<r3cc+Q , z~ ~ , n .__ __ Agenc} {c y ; , ~ ~.~ ~vrc, iLti era, . rotec on 1~a P adv sus corrective aer,o-r if the ~cra~e a::=aua! ex_ os.~,e to Edon s ecxuaf ?c Qr ~~t~e. ~`ra-s 1).C2 `~~ ~^~~-.- • wo :king Levels or ~• z,lcoCuaicsfliter {~pCill.). - i"iater Se<v€ce ` ~Iectect ',3Eiyer :nab a'~tain an (aspeat:on of the otuiut~- w.nd gt:,.n£ii;~ at•d;e n'a syntent f to <, p:•ererl}~ ii.,eliscd Qr c,l)~rK c to ,~ Ord --a- -~. qualifif:d a~2 e.iwelt testing car>;pauy. Ti anc' as egtarr;d vy the inspect! rt coat~pany, Beier; aT $elie,'s e~Fanse unll,~,.,;~-,. 1QCate and provide access ea ilFe on-site (Qr individual) water systen-,. Se{ter w~ii t Testarc the ~*t~r;c;-,~ to i's• r„•eviot;s ;tier,.' dziloct 5c.tler's expense. pnQ.: tc settle,nc.ut. 3:uy~¢r ijtsti¢ts t ~! r' .F'set^sees 213@ ~......-- 5 of 8 4/23/2012 4:37 PM Gmaii -Images in "e-mailing contract" CCF04232012_00005. j pg htlps : //mail.google. com/mai U?tu=2&ilt=e422e9a473 &view=att&th=1... t:-z-iat Suwaae (€f'Agpttcubla~ ~leeteci Buyer -r' ,z .;~ a n an f T, TLCtio~~ ct irt° ino t tc.ua. in to xlv ~ ~ r e Ut..C05a7 SVSte~i . u- 2 ~, L.ati£2"`Q *? Ot ~Szaual ~~' a _ -. --- iaspeLto t and as ;etl~rru' by the rnspectze-t coat n r S tler az SL.;les Q r P exp-nse ~v ,t '-o a ~ os~ d de-~~ !e a'~~~i.--- and e€np the tt dtYtdu21 a.T lot sew 4go disnosa= sys__tr;. SL:ler a tl. resEore the B tY 1i.4 i0 S S *-.?F ~iOtzJ COt3^~_!10?i. at Seiles c •pense, prior. to sett'se:nertz_ S~ par~tgraa? i2rC; =ar nor inro:znatior rsgar sstg t;t,. ti_dividual ~ u fat Sewage a,t.Tection C'ont.nPency. , Rr{agOZ't~# 1.AFSt-rilraC.°. •• I~.ie£ted t3uyer n y der n;ne Lit; ittsura-iS?iity oftite °rop~ry ^y :nai~i~s apNlication far pr ,,,n-v a•1d.,aa s=ty ,3ts,tr4a:~u zcr ,~•'a °ri ~_ _ _ the Proper < to ~ responstl3le insurer. i3•ulccr I'or Buyer tf any, atJte~x ise Fsroker i~r 5e11er, ~, ar .tz +ttittcate ~ith,;~' ttte irr,u.., to assist in the insursrace process ff the P-op£~y is ~o~ate? .n u iye?ati 1 a,n, Bt y ., rna~ bu roquire,d to ca,.ry sloei; insurance ai Bz#yer's expense, t~•ltich ntay ntied to be ordered f~ days or matte p; Fo ~o ~e ~lertenE ;.gate. A R'E3fDtrt6' i'a`fl;tlaRs33tit'S 1/lected Bity'el la4 eii~2~e tltt, S~rl'ICeS Cf a SUrL'Ey at title aM5ti3etar OY 4th2F t13,IS.°°d C1eSS7o'1.# t(1 aS5 .SF t e' ~ T '~ TR ~ +.. ti a3: °t'&' s4~y't _- ._ descrtpt an cema?ntu a zd .o,:aticn of hounctartes at:d.~U auantt ttt o ar-d ~:ost Serf s l.a° rutiad alte 1`rope*•`v ~,~ surveyed is it .s eta a re,:tuiretatent of propzrty t,ansi'e:r zn ?en,.tsyly era. a„y fLLces, hedges, u-41'.s at.d otltei~ caku:ai ar cansn•u~ red 5arrters .,aa}~ or uav trot repr,sent tiie true batRttdaty lines of the l'reperty. A , , itrr*icai rapresU ;- tati6nS OF S12C a progelcy are a27ptOXitr?atinnS only aIICI rraV tiG .naC£tt*-SntC. 19eeds, Rs.si*:r"tfons 3asd ~+nnirig elected Buyer rta, tnv.stigate ea~Lttaerrts, tree' -utd use restri,,Eio s (iltLludlrg anv htst >riL . t s vattan tee ctzons ~, otd, ~~ ~~d .__._ ._ nances} *nat app,4 to the f'-~aperty anQ , eti:ety local zorttag prdindne,,s. BL y ttRay ~ rte :nw+ ,.E,e present use o- tIte " Property tsucr as i4-law gaartt:rs apartatents, i:oxn:. ;>LI.'£e, day care) t~ percTitted and nTay erect tv make t~Tte~~'G'~''~-"" Agreen:eet cettf agent upar a : anticil,ated use. Present ttse:_ - Lead-Based taint ~acards (P'or 3'sclaet-i~aes ~iR'ics• to 'i97~ trzty} -. _-'..-..__~_...+.__ d'szected 13eritrL Btyer is oeligated to pnrcltase a resrtreraal dwolu;?g built prior to l~78, Stayer ltzs ti ~ aptrtttt ,;; conduct a ~-..~" •¢d _____ ..~ ..^:sic ass ss;nent and/or in5pecttori of Lire Property fcr s, ., presence of le d `-dse~ patr_t ard,'a f ~d-l>ased pair.: aaa- ~ '; ards unl s, 3uyc waives hai ri~ltt. BegaR•slless a8 wxlether tFRis Hasp€eiR®n :s a?et?tea ar ;a~atdc:d, YfTe ~esdflttiai `- ~~~ Lead-biased F'aRrR` i$az:=raYT ttetluetioc n;.ct ree-aiaes a ~edlea raf pr~.psrty built ;~rlcsa• ttt 4.`'73 ct pravlde the: Sneer ,pith ara a,~3-appaaver3 itad lta~arras it-FsraaRa+iatT pmrt,iRiet titled ~ratee*~uur ~a^~r'.y> it'o~ E.ead 'art }i-t-r ~a3:ae, a=o-ta :=rlt5 a separaac: laraaR, sttacfaed tc t3-is hgYeeraettt, dise3astt~ Saf;~,' 1~-"^vyletige od leaci- x~:tsed paint laa~ards ansl any 4:?ad-based paint' records regareiittg tl-: eYa¢erta~: (see '^Frtt~ees 4ke~tirdltr Ites4dLU 'rtl i,€ad-Based i'aint iiaattrei l~eclRret4a€t fa£¢1 S3tf:,er , ~,lected i'lte inspecticrs el~v ed a,ave dc: tt~t appby to tl}o fo4lowina ~~tistag t;crclit:ons ancL%er itarrs• --~--~--- ~~~sit>ed _ r~_ >%. f~dSi'E€~l's.{:Di4 f:Cti'r'l'+1~,'~e~;"~'r% i?i) -- -------------- tr, _._ - - __ .__ ~: >~ ~ :C t~antin"~L ~.F -y7C tad iS _ G$VS (~ it Hilt S_JEC1ltell'} tr,. t;?e l:'xCe,i:trail fate Qi }1tS ~~`. Ctj.::`,~..57r Ca£h P.SUt.t .0,, T eiec•'.- ed ]- Paragra~._. __ti~, ex£ept 1_hL`Jtlctt'-n~: . AnSpCCtiar,(S j -O`t_is?o.~rtCy PL ;CC: -__ - -._.._..____ _.___,-.__~ L'aj'S (.5j ~'tC° a a5 lot a .U x 3. d.n i? ~ ~ ~ -.- d %~ F"- f t I. ,s t~Te L quit o ai.u Jr_ ;~£tiaa z,ect.y in ~zra£,~rapG 1 iC+ ss ,.a.s~...sac;o.-y to r3 ; er, ~~a u v .ll, avithir- the 5tat;c. ~ors~itre€tcv ~E, -v<.. - ' 1cc~pt tl c ~r~re -+, to t'i;L s Lr'° _+ on yt'ie~i tr t, ~t na t/sir ci r~ 4. o is e iZ~i.Er~ ~= it; 1`s?r •,•~r, ~s ort., . Agr e.a...,._ t~R 2. 'E'er~aaizzra e t- i~ t+ are::raRertr .,y w•ritz„,, tstice c,~ _: e.?tir. S_e3 ail 3,.Ut~;,t'r a~t?Uts rea:rn£d to 8u".,er act;J, mn~ :at Ttie >v4?7s r= - Pa!•at;rcp :..: o'tilis hgre£~Terz, 12 . _ ~'s~e-;r rite i~.tagtfi ~s}'o ~eiier sstt.^~ u a :~#er t;art~ .~t e F'a•z-~acnt ("~aa~,n~t" 1;~ eor-2:~ ~s z~~% } cr c-~t a,~ el.sit~ed EZ~< l5 ~}-~ ne Propa ai ,nay G t t net r ntnad tJ include d,e I ~n°,s} ^f a f:.oa try tteensed or ~ ta,.J'so~i. pry ssicna,(s T Lo per*o n the cor- ractrons eG z.stet+ z, t, ~ Pzvposal, ptaz slurs . c.r p'ty,2;ert, tn£fuci.ng r.t.,sts, and a pro~,.cted date aor ca nlplCtzc~,x of th. c.,rrec- tacns. Rt,y x Y w ttaat Selter skill not t;e helc ltaole iar atrectens ~FSat da Hai comply ~~iu: ~_tn ~r~e ;ender or ~,o~,._:.a.eatai reeuirett its pcrfarrccd in a wor:.rta-i rke n~,anner au.a dl .; to the te~-tns of T31ver's a c:pJSaf. a. :v`a lot r thZn -, day's (` :f nOt STiLGttted} f:"raE$$ #~G Lttw as 'f.F"e Caik$l?-yeriC_Y .~e.. aad(s;,, J t C" 1;~' ~ . tl lnia~l i~iUy°i nT LvTit- > IIIQ t1~ Selt?.'Z tltit.: -. (1) Satisfy all thti ie1?1tS' of Buyer's Proposal{s), i~R (2} l~at satisfy all the Tetnls of Buyer's l'ropasalis}: 012 - (~) ~e aiiate a naut3?aiiy accepFat";c written ag~ecrnat_t with Bn'yet; pravidinc for aay repairs of impravet?tents to tl'ic r'+cpe:-ty- andror any credit to Bt;yer at setieta;enl, as acceptable io Else snottgage lender, if atty. - b. tf Sellz, agrees to satisfy the terms of Buyer's Propesai of Buyer:iad Seilei inter _rto a tsitt*+sazfy a££e; table tvtirten aaree- nient, Su;+er acct;utsFltt; t~FOp;.rty a-td a~rrezs to the ;~eF EA5r, it? 1'~Xagraph 24 of'iltis ligze~rne;i. 4 ,~--+ ~~ ~ ~' ., ~. Buyer -ttifr3tS: ~ J"Pi • ~ ~1 '~ r -~^~ _ ~"~ ~ :ASR ?age 6 t3f 3I Sesser iu1:i:=.?s: ~ r t ~ 1 6 of 8 4/23/2012 4:37 PM Gmail -Images in "e-mailing contract" CCF04232012_00006. j pg hops://mail.google.com/mail/?ui=2&ik=e422e9a473 &view=att&th=1... 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P aim <~ f~ a t .: vss ~~' :'d~SS ~f, f a'r ~~ -r..._~..~-~~. r. _ __ 'dF :','t`ai t~'..4.~ ~ ~a'e'~rT_''_:~ \~s.....'~ ~`ry --- b, _ _ :~ ~iE.'::1~.^~, C E&-' rc ~ d ~~ t .s; 5.:~S o- z ~I'~73ct ~ wS 3 c. 3,;C ~ .~...,v ~. e~ a ~ a ~,~ apt u~ sr~e ~ .~ ¢~a¢ s. ye ~ ~~~ L ~ r sFy.~a r 4~~ r~~res^a_;P,.. _ ~ettpz' his _~at ^u4 :E., s,.c~t<i~~:s 1?t~ z?u'aet~ ~,sr i„_..sz.3~ a?~v a>,a<.,~r° _:. ~...s.~~r?.~=s;ez y ' .-:~'' ~ ~~' lafL4cc' '.e'fk ..- tUij .Jri'..~ ~! r~.~.._~..~. n -A-. ? ~~~'` ~.~...~-.-.~.~_..__ --- ' ft ~~ .:e L i r r~Lt("!j s~~ ~t" ti-~ l") i~-i°:---t r~.~-iz-.... jT`~'~ i.'~~C'rll,f~ Lr'%~,(i/y" 4 of 6 4/23/2012 4:41 PM 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 3s 36 37 38 39 40 41 42 43 44 4s 46 47 48 49 50 Sl 52 53 54 55 56 SELLER'S ESTIMATED COSTS SEC This form reconunended and approved far, but not restricted to use by, the members of the Pennsylvania Association of REALTORS® (PAR) . PROPERTY 915 W. Trindle Road, Mechanicsburg, PA 17050 SELLER Good News Consulting BUYER Robert Ansel SETTLEMENT DATE May 11, 2012 PURCHASE PRICE $ 50 , 000.00 1. Broker's Fee $ 3 , 000.00 2. Preparation of Deed $ 100.00 3. Transfer Tax $ 500.00 4. Seller's Assist/Credit to Buyer $ 5. Home Warranty $ 6. Municipal Certification(s) $ 7. Certificate of Resale (Condominium/Homeowner's Association) $ 8. Settlement Fee $ 9. Notary Fees $ 25.00 10. Survey $ 11. On-lot Sewage System Pumping $ 12. Property Repairs $ 13. Tax Certifications $ 10.00 14. Overnight/Express Mail Charges $ 15. Domestic Lien Search $ 16. °~Patriot Act" Search $ 17. Other2 Vehicle & Furniture Removal estimate $ 500.00 18. Other __ $ ESTIMATED COSTS (subtotal) $ 4 ,135.00 Adjustments (+/-) (e.g., real estate taxes, association fees, utilities) $ TOTAL ESTIMATED COSTS/ADJ[JSTMENTS $ 4 ,135.00 Purchase Price $ 50 , 000.00 Total Estimated Costs/Adjustments (from above) $ 4 , 135.00 ESTIMATED PROCEEDS (before loan payoffs) $ 45 , 865.00 Seller's Estimate of Mortgages, Equity, and Other Loan Balances (including prepayment penalties), liens, assessments, etc. ESTIMATED NET PROCEEDS TO SELLER $ 45, 865.00 The estimated proceeds do not takc into account any other undisclosed mortgage obligations, liens, assessments, judgments or other obligations levied against the Property or Seller. Seller understands that the estimated costs stated above are based on the best information available at signing and may be higher or lower at settlement. Seller understands and has received a copy of these estimated closing costs before signing the Agreement of Sale. SELLER Good News Consulting DATE SELLER DATE SELLER DATE BROKER (Company Name) RE/MAX Realty Agenc PROVIDED BY (Licensee) ``~ DATE o~/o~/ of e Thr `h Pennsylvania Association of LV , IA ASSOCIATION OF RI;ALTORS® 2005 REALTORS® EXHIBIT Izios (~gUgj® TM VNCe Nr ^aN EetNN9M Pennx)IVeNe a 9 VERIFICATION I verify that the statements rr~ade in this Petition are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification. to authorities. Date: v g ~~ Tina Hess, C t ~ of Good News Consulting, Inc.