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09-13-13 (2)
1 150 J REV 71500 EX(02-11) 1505610143 PA Department of Revenue y OFFICIAL USE ONLY p perms Ivania county code year File Number Bureau of Individual Taxes °EP""T"aiOF RVpEHM PO 60x.280601 INHERITANCE TAX RETURN 21 13 0284 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW 02 27 2013 01 30 1926 Decedent's Last Name Suffix Decedent's First Name MI MARTIN ELLEN J (If Applicable)Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name Mt Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ® 1. Original Return F� 2. Supplemental Return 3, Remainder Return(Date of Death Prior to 12-13-82) 4. Limited Estate .4a. Future Interest Compromise 5. Federal Estate Tax Return Required (date of death after 12-12-82) g Decedent Died Testate T Dece le�Jt Maintained a Living Trust 0 S. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach(;opy ofVVTrust) 9. Litigation Proceeds Received 1D.bbelweenI Pove 9i enEt1(DatteB�f Death 11.Election to tax unger.Sec.9113(A)s 1, (Attach Schedule O) t0 rn C) r11 C> CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX O_RMATION SHOULD$E&RECTED TO:11 Name Daytirrie�T€lephone Number,? Cl) LAUREN E BOGAR 71'&1737-' 87-fi1 s i REGISTT=�OF WILI:SJ SE ONLY? c7 -r'' First Line of Address �_ ' co r� rl CD ONE WEST MAIN STREET ~� N Second Line of Address City or Post Office State ZIP Code DATE FILED SHIREMANSTOWN PA 17011 Correspondent's e-mail address: Ibogar @bogarlaw.com Under penalties of perjury,I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, it is true,correct and complete.Declaration of preparer other than the personal representative Is based on all information of which preparer has any knowledge. SIGN URE OF PERSON RESPONSIBLE FO FILING RETURN DATE fir -mac Barbara E. Barry to Zo/3 ADDRESS 536 Ichabod Court, Mechanicsburg, PA 17050 SIGNATURE OF PREPARER O ER THAN REPRESENTATIVE /DATE (:2�� OQ-A Lauren E. Bogar ADDRESS One West Main Street, Shiremanstown, PA 17011 Side 1 1505610143 1505610143 J V � - 1 ���� �� 1505610243 REV-1500 EX RECAPITULATION - 1. Real Estate(Schedule A)....................................................................................... 1. 132 , 000 . 00 2. Stocks and Bonds(Schedule B)............................................................................. 2. 7 , 481 . 91 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C)......... 3. 4. Mortgages&Notes Receivable(Schedule D)........................................................ 4. 5. Cash,Bank Deposits&Miscellaneous Personal Property(Schedule E)............... 5. 2 ,369. 04 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested............ 6. 1, 685 .29 7. Inter-Vivos Transfers&Miscellaneous Nnq-Probate Property (Schedule G) LJ Separate Billing Requested............ 7. 38 , 029 . 39 8. Total Gross Assets(total Lines 1 through 7)........................................................ 8, 181, 565 . 63 9. Funeral Expenses and Administrative Costs(Schedule H).................................... 9. 39, 674 . 86 10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)............................ 10. 11. Total Deductions(total Lines 9 and 10)................................................................ 11. 39, 674 . 86 12. Net Value of Estate(Line 8 minus Line 11).......................................................... 12. 141 , 890 . 77 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. 141 , 890 . 77 TAX COMPUTATION-SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or .transfers under Sec.9116 (a)(1.2)X.00 15. 0 . 00 16. Amount of Line 14 taxable at lineal rate X .045 141 , 890 . 77 16. 6, 385 . 08 17. Amount of Line 14 taxable at sibling rate X.12 0 . 00 17. 0 . 00 18. Amount of Line 14 taxable at collateral rate X.15 0 . 00 18. 0 . 00 19. TAX DUE................................................................................................................ 19. 6,385 . 08 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. r Side 2 L 1505610243 1505610243 J REV-1500 EX Page 3 File Number 21-13-0284 Decedent's Complete Address: DECEDENT'S NAME Martin, Ellen J. - STREETADDRESS 417 Allegheny Drive CITY STATE ZIP Mechanicsburg PA 17050 Tax Payments and Credits: 1. Tax Due(Page 2, Line 19) (1) 6,385.08 2. Credits/Payments A. Prior Payments 6,929.33 B. Discount 319.25 Total Credits(A +B) (2) 7,248.58 3. Interest - (3) 4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (4) 863.50 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) Make Check Payable to: REGISTER OF WILLS, AGENT. C ,. .., , . . ,. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred;....................................................................:.......... ❑....... F AI 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 Dec. 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration?.................................................................................................................... ❑ ❑ 3. Did decedent own an"in trust for' or payable upon death bank account or security at his or her death?....... ❑ ❑x 4. Did decedent own an individual retirement account,annuity,or other non-probate property which ❑ 1:1 contains a beneficiary designation?.................................................................................................................. IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. yy 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(a)(1)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. Rev-0502 EX-(01-10) SCHEDULE A pennsylvania REAL ESTATE DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Martin Ellen J. 21-13-0284 All real pro perty awned 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 would be exchangetl 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 that 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 real estate having thereon erected a dwelling 132,000.00 house being known and numbered as 417 Allegheny Drive, Mechanicsburg, PA. The property was acquired by Frederic E. Martin and Ellen J. Martin, husband and wife, by deed dated October 15, 1987 and recorded October 16, 1987 in the Cumberland County Recorder of Deeds Office in Deed Book"Z",Vol., 32, Page 652,a copy of which is attached hereto and incorporated herein. The said Frederic E. Martin passed away on August 16, 1998, whereupon full and complete title to said real estate became vested solely in Ellen J. Martin, the Decedent herein. The above-described real estate was sold pursuant to an Agreement of Sale dated August 1,2013,a copy of which is attached hereto and incorporated herein. Final settlement took place on August 30,2013. Copies of the deed conveying the real estate,as well as the Settlement Sheet,are attached hereto and incorporated herein. The sale price of the real estate was$132,000.00 TOTAL(Also enter on Line 1, Recapitulation) 132,000.00 (If more space is needed,additional pages of the same size) Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule A(Rev.01-10) star_w.m,a awe-miurt.,m:.iw 4bs-as.,.,i..t ±� . MADE THE ISt day of is the yatr of our Urd ow thousand W"hundred eighty-seven {1987) BETWEEN NDBMnN DUIN and FERN A. SMITH, his wife ti t1 n and � . � � fRIDERIC E. MANTIN and FdStI.1 J. MAItTDN, his wife f: t i Wanted s: 2' WITNEESETH,that in camvida.:ratfan of El= FCCR THOUMNO NINE NUNDRHD DMIARS AM x t ta84,900.00)-----Do3tard. •' in hand paid,the receipt whereat is hereby acknowtddDdd, the said grantor s do herby grant .+i and ocnuey to the said grantee 6, ALL THAT CERT'A'IN tract Or parcel of land, located in Upper Alien Township, County 7 i of Cumberland, Canrons+salth of Pennsylvania, :roes particularly bearded and - described according to survey of D,P. Raffensperger, dated October 29, 1964, as follows, to wits _ ? nsolmRn at a point at the Northeast corner of the inters Oction of Rim Acres t f Drive and Allegheny Drive: thence NorthWaraly along the Eastern lire of Allegheny r Drive ninety-five (95) feet to a point; thence =timing along sane NorwardlY {% being an arc or curve to the right having a radius of two hundred ninety-nine and sixty-one one-hundredths (299.61) feat eighty-one and three one-hundredths (81.03) '. feet to a point: thence South eighty-seven degrees thirty-six mimrtes East, (5 87° T= 36' E), fifty-seven and twenty-five o Iet ndredths feet (57.25) feet to a Faint; . thence North seventy-two degrees fifty-one minutes East, (N. 72'51' E), thirty- seven and five one-hundredths (37.05) feet to a point; thence South three degrees , fifty-four minutes Fast, (S. 3 054' E11 one hundred seventy-five (175) feet.to a x; point on the Northern line of Rim Acres Drive; thence Westwardly along sane, Ore tndred (100) feet to a point, the Place of RnalwV m. BEING part of lot 66, section "E", on Plan of Mt. Allen Heights, said Plan ) recorded in Plan Book 14, page 2, Cumberland County records. ) HAVING RAN ERA' m a one story brick and frame &ailing hoass known and numbered as 417 Allegheny Drive, Mechanicsburg, Pennsylvania. BEING the same premises which Cleason Crrnier and Florence A. Cramer, his wife, by Deed dated November 3, 1964, and recorded in the Office of the Recorder of Deeds in and for Cumberland County in Deed Book R, Values 21,Page 579,,granted ! and conveyed unto Norman Smith and Fern A. Smith, his wife, Grantors herein. , a 9�1_ c'3" C.Out,al.Mt. . r ,,v.,hiP ce . .... .l C,.m6. Co., Pa. , T. loci Z32 farf 6 pid 44 Ayr. f , L And the said grantor s hereby ven coant and agree that they I uQ warrant specially the Droperty hereby canuNed I 3 COMMONWEALTH O,PENN5YLVANV, DEPARTMENT O:P.EVENJE aR?M1I:V a.0 PnA;FFR OCtIb'ei �^'w 8 IDY C...._ rb.nn: I IN WITNESS WHEREOF, mid grantors have hereunto set their hand and seat the day and year first above written, SiQneD,8teleD aMItlWereb In tot promo at !��ylt/. I Fern A. Seri State of DEnin, AVV14 j county of Cum6E1tLAAID yu. On this,the /Sl^ day of 1 (X.MMp— ;Is 87 ,before me, j a Notary public li the undersigned ofwer,Personalty appeared Norman Smith and Fern A. Smith, his wife knoon tome(or eatUfactorily Proven)to be thepereon s whose names are subscribed to the within instrument,and acknowledged that they executed same for the purposes therein j contained. IN WITNESS WHEREOF,I hereunto set my hand and o$i W sea.L P.Y';'Y? P,truu rousF.art..sou Abu. _ w..uwra,Pt o.�nni.co�mtr , ._ to.uar.M 0 L,p,: y .' •�•TiRe of officer. Stye . "s.rF)s!: countrof On this,the day of ,Ig ,before me, the undersigned officer,Personally appeared known tome(or mtialuetorlly p>ovm)to be the person whose name subscribed to the within imMastent,and aeknmetedged that ezemded same for the purposes therein h, Contained IN WITNESS WHEREOF, 1 hereunto net my hand and of oid seaL Tiae of Oster. '- do hereby certify that the Precise Tresidence and complete Vast oflev address of the within named grantee is 41l gldjl,on i 1JR't�wk.. to tAOkNuk ,cobvy$ {'R Attorney for _ 9001(Z32 Phu 653 STANDARD AGREEMENT FOR THE SALE OF REAL ESTATE ASR Tht,holm recmwxnded and aW.,ed fat,but not restnoed la use by.the nemr of the PenasyN-al,Ao-wian of REALTORS'{PAR). PARTIES BUYER(S):Carol drlu,as SELLER(S): Estate of i:reoerick E.&Ellen J.Martin BDY.ER'S Ni AILiNIG ADDRESS- SELLEWS MAILING ADDRESS: 113 Mendhain Way s- -'-�� 417 A1Ie9heiy Rdva Mechanicsburg.Pa 17955 Sal em.VA 24153 PROPERTY PROPERTY ADDRESS 417 AOe;lheny onve Mechanicsburg.Pa 17055 ZIP 17055 in the msmicipality of tlpoe Alan County Of Cumberland in lhc'School District of mochaillevOurg in the Commonwealth of Pennsylvania. Idenlil-ication(e,g.,Tax ID it; Parcel#; Lot, Block; Deed Book,Page,Recording Date): BUYER'S RELATIONSHIP WITH PA LICENSED BROKER ❑No Business Relationship (Buyer is not represented by a broker) Broker(Company)century 21 Really Services Licensee(s)(Name) Keribeth Keedhnan ` 3315 Market Street Kenbeth Kauffman Company Address camp Hill,Pa 17011 Direct Phone(s) 253-4458 Cell Pbone(s)2534458 Company Phone 737-2121 Fax Company Fax 737-7129 Email keri.kuut%an@cenlury21.com Broker is: Licensee(s) is: ®Buyer Agcnt(Broker represents Buyer only) ❑Buyer Agent with Designated Agency []Dual Agent(See Dual and/or Designated Agent box below) ®Buyer Agent without Designated Agency Dual Agent(See Dual and/or Designated Agent box below) QTransaction Licensee(Broker and Licensee(s)provide real estate services but do not represent Buyer) SELLER'S RELATIONSHIP WITH PA LICENSED BROKER ❑No Business Relationship(Seller is not represented by a broker) Broker(Company)Genlury 21 Realty Services Licensee(s)(Name) Aaron Piscioned 3315 Market Street Aaron Piscioned Company Address camp Hill.Pa 17011 Direct Phone(s) _ Ceti Phone(s)441-23139 Company Phone 737-2121 Fax 737-7129 Company Fax 737-7129 Email saron.piscioneriQcentury2l.wm Broker is: Licensees)is: ®Seller Agent(Broker represents Seller only) ❑Seller Agent with Designated Agency ❑Dual Agent(See Dual and/or Designated Agent box below) ®Seller Agent without Designated Agency IJ Dual Agent(See Dual and/or Designated Agent box below) ❑Transaction Licensee(Broker and Licensees)provide real estate services but do not represent Seller) DUAL AND/OR DESIGNATED AGENCY A Broker is a Dual Agent when a Broker represents both Buyer and Seller in the same transaction. A Licensee is a Dual Agent when a Licensee represents So= and Seller in the same transaction,All of Broker's licensees are also Dual Agents UNLESS there are separate Designated Agents for Buyer and Seller.If the same Licensee is designated for Buyer and Seller, the Licensee is a Dual Agent. By signing this Agreement,Buyer and Seller each acknowledge having been previously informed of,and consented to,dual agency, if applicable. Buyer Initials:/= ASR Pape 1 of 11 Seller lnitialsvil .., = �ar Revised 1112 Pennsylvania Association of REALTORS' COPYRICIiTPE NN'SI-tT'ANSAASSOCI.4TIONOFREALTORSZ 2012 D.cu ,l{9ignedel.gtmllc611y.leeaily Mwivby wow Steele,VM�4Ws We 1. By this Agreement,dated 0ato412013 - Sel er hereby agrees to sell and convey to Buyer,who agrees to purchase,the identified Property. 2, PURCHASE PRICE AND DEPOSITS(1-10) (A)Purchase Price$ 132.000.00 J S. o ais , to e pat y uyer as a ows: Deposit at signing of this Agreement: 2. Deposit within 5 days of the Execution Date of this Agreemenl: S 3,000.00 3. $ 4. Remaining balance will a paid at settlement, (B) All funds paid by Rover,including deposits,will be paid by check,cashier's check or wired funds.All funds paid by Buyer I. within 30 DAYS of settlement,including funds paid at settlement,will be by cashier's check or wired funds,but not by per- I sonalcheck. t (C) Deposits,regardless of the form of payment and the person designated as payee,will be paid in U.S.Dollars to Broker for Seller 1' (unless otherwise stated here: ), r who will retain deposits in an escrow account in contornvty with all applicable laws and regulations until consummation or ler- urination of this Agreement.Only real estate brokers are required to hold deposits in accordance with the rules and regulations of the State Real Estate Commission. Checks tendered as deposit monies may be field unceished pending the execution of this ., Agreement. 3, SELLER ASSIST(If Applicable)(1-10) _. Seller will pay $0.00 or o % of Purchase Price (0 if not specified)toward Buyer's costs, as pernutled by the mortgage lender, if any. Seller is only obligated to pay up to the amount or percentage which is approved by mortgage lender. 4. SETTLEMENT AND POSSESSION(1-10) (A) Settlement Date is oat302013 ,or before if Buyer and Seller agree. (B) Settlement will occur in the county where the Property is located or in an adjacent county, during normal business hours, unless Buyer and Seller agree otherwise. - (C) At time of settlement,the following will be pro-rated on a daily basis between Buyer and Seller, reimbursing where applicable: current taxes(see Notice Regarding Real Estate Taxes);rents; interest on mortgage assumptions;condominium fees and home- .0 owner association fees;water and/or sewer fees,together with any other lienab)e municipal service fees.All charges will be pro- rated for the periods)covered.Seller will pay up to and including the date of settlement and Buyer will pay for all days follow- _ ing settlement,unless otherwise stated here; v (D) Conveyance from Seller will o by fee simple deed ofspecial warranty unless otherwtse state ere: u � (E) -Payment of transfer taxes will a divided equally between Buyer and Seller unless otherwise stale ere: ;,. (F) Possession is to be delivered by deed,existing keys and physical possession to a vacant Property free of ens,with all structures - broom-clean,at day and time of settlement,unless Seller,before signing this Agreement, has identified in writing that the Property :o is subject to a lease. (C,) if Seller has identified in writing that the Property is subject to a lease,possession is 10 be delivered by deed, existing keys and assignment of existing leases for the Property,together with security deposits and interest,if any,at day and time of settlement.Seller will not enter into any new leases,nor extend existing leases, for the Property without the written consent of Buyer. Buyer will acknowledge existing lease(s)by initialing the lease(s)at the execution of this Agreement, unless otherwise stated in this Agreement. []Tenant-Occupied Property Addendum(PAR Form TOP) is attached. S, DATES/TIME IS OF THE ESSENCE(1-10) (A) written acceptance of all parties will be on or before: 0810212013 .. (B) The Settlement Date and all other dates and times identified forte perlormance of any obligations of ftus Agreement are of the a.. essence and are binding. All (C) The Execution Date of this Agreement is the date when Buyer and Seller have indicated full acceptance of this Agreement by sign- v ing and/or initialing it.For purposes of this Agreement,the number of days will be counted front the Execution Date, excluding .. the day this Agreement was executed and including the last day of the time period.All changes to this Agreement should be ini- tialed and dated. -x (D) The Settlement Date is not extended by any other provision of this Agreement and may only be extended by mutual written agree- . ment of the parties. (E) Certain terms and time periods are pre-printed in this Agreement as a convenience to the Buyer and Seller.All pre-printed terms and time periods are negotiable and may be changed by striking out the pre-printed text and inserting different terms acceptable to all parties. �• 6. ZONING(1-10) N. Failure of this Agreement to contain the zoning classification(except in cases where the property {and each parcel thereof,if subdi- ot vidable) is zoned solely or primarily to permit single-family dwellings)will render this Agreement voidable at Buyer's option, and, if voided,any deposits tendered by the Buyer will be returned to the Buyer without any requirement for court action. Zoning Classification: Residential _ 114 Buyer Initials: / ASR Page 2 of ti Seller hiifids j& J Ouc anpnM e�*Wty b'n6v Wte�rai sinwm.Yieti Hops+,vw eotkop.wm my/m:ncau:n=bi-.i'CE�l4 r.,tt 7. FIXTURES AND PERSONAL PROPERTY(1-10) s� (A) INCLUDED in this sale are all existing items permanently installed in the Property, free of liens, and other items including plumbing;heating:radiator covers; lighting fixtures(including chandeliers and ceiling fans);pool and spa equipment(including . covers and cleaning cquipmenQ;electric animal fencing systems(excluding collars);garage door openers and transmitters; tele- vision antennas;unpotted shrubbery,plantings and trees;any remaining heating and cooking fuels stored on the Property at the ro time of settlement;smoke detectors and carbon monoxide detectors;sump pumps;storage sheds; fences;mailboxes;wall to wall carpeting; existing window screens, stoma windows and xereen/slomt doors; window covering hardware, shades and blinds; _ awnings;built-in air conditioners;built-in appliances;the range(oven,unless otherwise stated;and,if owned,water treatment sys- terns,propane tanks,satellite dishes and security systems.Also included:Ail appliances and fixtures currently in the property. My furniture,linens.kitchen items,re:giasaes,dinnerware,utensils may remain to Aropery. (B) The following items are LEASED(not owned by Seller}.C'ontact the pmvidertvendar for mare infonnatiun(e.g.,water treatment systems, propane tanks,satellite dishes and security systems): (C) EXCLUDED fixtures and items: 8. MORTGAGE CONTINGENCY(1-10) ❑ WAIVED. This sale is NOT contingent on mortgage financing, although Buyer may obtain mortgage financing and/or the par- . ties may include an appraisal contingency. ® ELECTED. (A) This sale is contingent upon Buyer obtaining mortgage financing according to the following terms: First Mortgage on the Property Second Mortgage on the Property Loan Amount S ao,000.00 Loan Amount$ Minimum Temt 3o years Mimmum'I'em3 years Type of mortgage conventional Type of mortgage - Lotn-To-Value(L'rV)ratio: Loan-To-Value(LTV)ratio: For non-FHA/VA loans LTV ratio not to exceed B0120 % For non-FHAIVA loans LTV ratio not to exceed % ,,.. Mortgage lender Mortgage NeMrork Mortgage lender _ Interest mte4.5 %:however,Buyer agrees to accept the Interest rate °/"; however, Buyer agrees to accept the interest rate as may be committed by the mortgage lender,not interest rate as may re committed by the mortgage lender,no(to ... to exceed a maximum interest rate of 4.5 %. exceed a maximum interest rate of %. Discount points, loan origination, loan p5ieemem and other fees Discount points, loan origination, loan placement and other fees charged by the lender as a percentage of the mortgage loan(exclud- charged by the lender as a percentage of the mortgage loan(exclud- ing any mortgage insurance premimas or VA finding fee) not to ing any mortgage insurance premiums or VA funding fee) not to exceed o Y"lo(0%if not specified)of the mortgage loan. exceed °l"(0%if not specified)of the mortgage loan. ., (B) The interest rate(s)and feels)provisions in Paragraph 8(A)are satisfied if the mortgage lender(s)gives Buyer the right to guar- ,,,• antee the interest rate(s)and feels)at or below the maximum levels stated.If Imiler(s)gives Buyer the right to lock in the interr- r.• est rate(s).Buyer will do so at least 15 days before Settlement Date,Buyer gives Seller the right:at Seller's sole option and s u. as permitted by law and the mortgage lenders),to contribute financially,without promise of reimbursement;to the Buyer and/or 1,l, the mortgage lender(c) to make the above mortgage term(s)available to Buyer. (C) Within days(7 if not specified)from the Execution Date of this Agreement,Buyer will make a completed:written mort- gage application (including payment for and ordering of,appraisal and credit reports without delay, at the time required by lenders))for the mortgage terms and to the mortgage lender(s) identified in Paragraph 8(A), if any,otherwise to a responsible 1,r mortgage lenders)of Buyer's choice,Broker for Buyer, if any,otherwise Broker for Seiler, is authorized to communicate with the mortgage lender(s)to assist in the mortgage loan process. „. (D) Buyer will be in default of this Agreement if Buyer furnishes false information to anyone concerning Buyer's financial 1 r,. and/or employment status,fails to cooperate in goad faith with processing the mortgage loan application(including delay 10 of the appraisal),fails to lock in interest rate(s)as stated in Paragraph 8(B),or otherwise causes the lender to reject,refuse to approve or issue a mortgage loan commitment. 11. (E) I, Mortgage Commitment Date:oa/23/2013 Upon receiving a mortgage commitment, Buyer will 1;i promptly deliver a copy of the commitment to Seller. HE 1 If Seller does not receive a copy of the mortgage commitment(s)by the Mortgage Commitment Date, Seller may terminate this Agreement by written notice to Buyer.Seller's right to terminate continues until Buyer delivers a mortgage commitment 11 to Seller.Until Seller terminates this Agreement,Buyer is obligated to make a good-faith effort to obtain mortgage financing. „• 3. Seiler may terminate this Agreement by written notice to Buyer after the Mortgage Commitment Date if die mortgage commitment: a. Does not satisfy the terms of Paragraph 8(A),OR b. Contains any condition not specified in this Agreement(e.g.,the Buyer must settle on another property,an appraisal must be received by the lender,or the mortgage commitment is not valid through the Settlement Date)that is not satisfied and/or removed in writing by the mortgage lender(s) within 7 -DAYS after the Mortgage Commitment Date in Paragraph 1„ 8(E)(1), or any extension thereof, other than those conditions that are customarily satisfied at or near settlement (e.g., ,_, obtaining insurance,confirming employment). 4. If this Agreement is terminated pursuant to Paragraphs 8(E)(2)or(3),or the mortgage loan(s) is not obtained for settlement, all deposit monies will be returned to Buyer according to the terms of Paragraph 23 and this Agreement will be VOID.Buyer ,.- will be responsible for any costs incurred by Buyer for any inspections or certifications obtained according to the terms of this Agreement,and any costs incurred by Buyer for: (1)Title search,title insurance and/or mechanics'lien insurance,or any fee for cancellation; (2)Flood insurance,fire insurance,hazard insurance,mine subsidence insurance,or any fee for cancel- , latrioonn-;((33)Appraisal fees and charges paid in advance to mortgage lender(s). ,r, Buyer initials: i R i _.J I a.... ASR Page 3 of I Seller initiats:�_/�„ nan14�„a/�1 lI� OoeumvningneE elec,mnieanYl ie9alry brcging DY bEarel aleW(e.yMl[n,ps •wm.ami"ep.com myroei.,,cmi`LD_i��erlptYy1 l:- (F) If the mortgage lender(s), or a property and casualty insurer providing insurance required by the mortgage lender(s), requires repairs to the Property,Buyer will,upon receiving the requirements,deliver a copy of the requirements to Seller.Within 5 DAYS of receiving the copy of the requirements,Seller will notify Buyer whether Seiler will make the required repairs at Seller's I:. expense. „ 1. If Seller makes the required repairs to the satisfaction of the mortgage tender and/or insurer,Buyer accepts the Property and agrees to the RELEASE in Paragraph 25 of this Agreement. 2. ]f Seller will not make the required repairs, or if Seller fails to respond within the stated time,Buyer will,within_5 DAYS,notify Seller of Buyer's choice to: a. Make the repairs/improvements at Buyer's expense,with Permission and access to the Property given by Seller,which will not be unreasonably withheld,OR b. Terminate this Agreement by written notice to Seller,with all deposit monies returned to Buyer according to the terms of Paragraph 23 of this Agreement. If Buyer fails to respond within the time stated in Paragraph 8(17)(2)or fails to terminate this Agreement by written notice I _ to Seller within that time,Buyer will accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement. �r. FHA/VA,IF APPLICABLE (G) It is expressly agreed that notwithstanding any other provisions of this contract,Buyer will not be obligated to complete the pur- chase of the Property described herein or to incur any penalty by forfeiture of earnest money deposits or otherwise unless Buyer has been given,in accordance with HUDIFHA or VA requirements,a written statement by the Federal Housing Commissioner, Veterans Administration, or a Direct Endorsement Lender setting forth the appraised value of the Property of not less than $ (the Purchase Price as stated in this Agreement). Buyer will have the privilege and option of proceeding with consummation of the contract without regard to the amount of the appraised valuation.The appraised valuation <, is arrived at to determine the maximum mortgage the Department of Housing and Urban Development will insure. HUD does not warrant the value nor the condition of the Property. Buyer should satisfy himselfiherself that the price and condition of the Property are acceptable. . , Warning: Section 1410 of Title 18, U.S.C., Department of Housing and Urban Development and Federal Housing Administration Transactions,provides,"Whoever for the purpose of.. .influencing in any way the action of such Department, l: makes,passes,utters or publishes any statement,knowing the same to be false shat(be fined under this title or imprisoned not more than two years,or both" (H) U.S.Department of Housing and Urban Development(HUD)NOTICE TO PURCHASERS: Buyer's Acknowledgement 1..; ❑ Buyer has received the HUD Notice"For Your Protection: Get a Home Inspection"Buyer understands the importance of ;a. getting an independent home inspection and has thought about this before signing this Agreement. Buyer understands that FHA will not perform a home inspection nor guarantee the price or condition of the Property. (I) Certification We the undersigned,Seiler(s)and Buyer(s)party to this transaction each certify that the terms of this contract ,r. for purchase arc true to the best of our knowledge and belief,and that any other agreement entered into by any of these parties in connection with this transaction is attached to this A eemcm. 9. CHANGE IN BUYER'S FINANCIAL STATUS(3-11) ,,.>. In the event of a change in Buyer's financial status affecting Buyer's ability to purchase, Buyer shall promptly notify Seller and la" lender(s)to whom the Buyer submitted mortgage application,if any.A change in financial status includes,but is not limited to,loss or a change in employment; failure or loss of sale of Buyer's home; Buyer's having incurred a new financial obligation; entry of a judgment against Buyer. Buyer understands that applying far and/or incurring an additional financial obligation may affect Buyer's ability to purchase. r 10,SELLER REPRESENTATIONS(1-10) 1-4 (A) Radon Testing and Remediation(See Notice Regarding Radon) Seller has no knowledge about the presence or absence of radon unless checked below: .-I ❑ L Seller has knowledge that the Property was tested on the dates and by the methods(e.g.charcoal canister, alpha track. • etc.),which produced the results indicated below: r- Date Type of Test Results(picoCuries/li(er or working levels) Name of Testing Service ❑ 1 Seiler has knowledge that the Property had radon removal system(s)installed as indicated below: >: Date Installed Type of System Provider u: Copies of all available test reports will be delivered to Buyer with this Agreement.Seller does not warrant the meth- ods or the results of radon tests. �. (B) Status of Water tr.. Seller represents that the Property is served by: ®Publie Water []Community Water ❑On-site Water ❑None ❑ rro (C) Status of Sewer rn Seller represents that the Proper is served by: I„ ® Public Sewer a Community Sewage Disposal System ❑Ten-Acre Permit Exemption(see Sewage Notice 2) .v © Individual On-lot Sewage Disposal System(see Sewage Notice 1) ❑Holding Tank(see Sewage Notice 3) 1" Individual On-lot Sewage Dis oral System in Proximity to Well(sce Sewage Notice 1;see Sewage Notice 4,if applicable) /= EJ None(see Sewage Notice 1)Ublone Available/Permit Limitations in Effect(see Sewage Notice 5) ❑__ I•, Buyer Initials: 1? t ASR Page 4 of tl Seiler R tnftials: i?� Dolman(agned oleUrnld RO)':Iepa�Iyls tlinpbyledxalplalule.V"Mips Iw defwn Cam n:v/+ei.,,co:n1l���i�o��tl•x:Yll (D) Historic Preservation Seller is not aware of historic preservation restrictions regarding the Property unless otherwise stated here: (E) ❑ Property.or a portion of it,is preferentially assessed for tax purposes under the following Act(s)(see Notices Regarding Land Use Restrictions): []Farmland and Forest Land Assessment Act(Clean and Green Program;Act 319 of 1974; 72 P.S. §5490.1 et seq.) Open Space Act(Act 442 of 1967;32 P.S. §5001 ct seq.) H Agiictiltural Area Security Law(Act 43 of 1981; 3 P.S.§901 at seq.) other (F) Scller represents that,as of the(laic Seller signed this Agreement,no public improvement,condominium or homeowner associa- tion assessments have been made against the Property which remain unpaid, and that no notice by any government or public authority,has been served upon Seller or anyone on Seller's behalf, including notices relating to violations of zoning,housing, building, safety or fire ordinances that remain uncorrected, and that Seller knows of no condition that would constitute a viola- . Lion of any such ordinances that remain uncorrected,unless otherwise specified here: (G) Seller knows of no otbet potential notices(including violations)and/or assessments except as follows: (H) Access to a oFii 1c road may require issuance o alia`gE—wity uccupancy permit from the Department of ransportation. H. WAIVER OF CONTINGENCIES(9-05) .? If this Agreement is contingent on Buyer's right to inspect and/or repair the Property, or to verify Insurability,environmental conditions, boundaries, certifications,zoning classification or use,or any other information regarding the Property,Buyer's failure to exercise any of Buyer's options within the times set forth in this Agreement is a WAIVER of that contingency and Buyer accepts the Property and agrees to the RELEASE in Paragraph 25 of this Agreement. 12.INSPECTIONS(1-10)(See Notices Regarding Property and Environmental Inspections) --- (A) Rights and Responsibilities .- L Setter will provide access to insurers'representatives and,as may be required by this Agreement or by mortgage lender(s),to '.� surveyors,municipal officials,appraisers and inspectors.All parties and their real estate licensee(%)may attend any inspections. L, Buyer may make a pre-settlement walk-through inspection of the Property.Buyer's right to this inspection is not waived by 2, any other provision of this Agreement. 3. Seller will have heating and all utilities(including fuel(s))on for all inspections/appraisals. 4. All inspectors,including home inspectors,are authorized by Buyer to provide a copy of any inspection Report to Broker for Buyer. .. 5. Seiler has the right,upon request,to receive a free copy of any inspection Report from the party for whom it was prepared. ill (B) Buyer waives or elects at Buyer's expense to have the following inspections, certifications, and investigations (referred to as ._ 'Inspection"or"Inspections")performed by professional contractors, home inspectors, engineers,architects and other properly licensed or otherwise qualified professionals. If the same inspector is inspecting more than one system,the inspector must com- ply with the Home Inspection Law.(See Notice Regarding the Home Inspection Law) (C) For elected Inspection(s),Buyer will,within the Contingency Period(s)stated in Paragraph 13(A),complete Inspections,obtain any Inspection Reports or results(referred to as"Report"or"Reports").and accept the Property,terminate this Agreement,or submit a Written Corrective Proposal(s)to Seller,according to the terms of Paragraph 13(B), Home/Property Inspections and Environmental Hazards(mold, etc.) =14 Elected Buyer may conduct an inspection of the Property's structural components; roof; exterior windows and exterior Waivg�, _ Coors;exterior siding,Exterior Insulation and Finish Systems,fascia,gutters and downspouts;swimming pools,hot .3� (— ubs and spas;appliances;electrical systems;interior and exterior plumbing;public sewer systems;heating and cool- �� ing systems; water penetration; electromagnetic fields; wetlands and flood plain delineation; structure square '1- footage;mold and other environmental hazards(e.g.,fungi,indoor air qualityt asbestos,underground storage tanks, .a- etc.);and any other items Buyer may select.If Buyer elects to have a home inspection of the Property,as defined in -44 the home Inspection Law,the home inspection must be perforated by a full member in good standing of a national home inspection association,or a person supervised by a full member of a national home inspection association,in :4r accordance with the ethical standards and code of conduct or practice of that association,or by a properly licensed or registered engineer or architect.(See Notice Regarding the Horne Inspection Law) :xr Wood Infestation Elected Buyer may obtain a written"Wood-Destroying insect infestation Inspection Report" from an inspector certified as Waived a«rood-destroying pests pesticide applicator and will deliver it and all supporting documents and drawings provid-j - ed by the inspector to Seller.The Report is to be made satisfactory to and in compliance with applicable laws, . _ gage lender requirements,and/or Federal Insuring and Guaranteeing Agency requirements.The inspection is to be limited to all readily-visible and accessible areas of all stmctures on the Property,except fences. If the Inspection reveals active infestation(s),Buyer,at Buyer's Expense,may obtain a Proposal from a wood-destroying pests pes- - . ticide applicator to treat the Property.If the Inspection reveals damage from active or previous infestatiou(s),Buyer .y, may obtain a written Report from a professional contractor,home inspector or structural engineer that is limited to structural damage to the Property caused by wood-destroying organisms and a Proposal to repair the Property. Water Service Elected Buyer may obtain an Inspection of the quality and quantity of the water system from a property licensed or otherwise Waived ?,! y j qualified water? _(1 Radon Elected Buyer may obtain a radon test of the Property from a certified inspector, The U.S. Environmental Protection Waived Agency(EPA) advises corrective action if the average annual exposure to radon is equal to or higher than 0.02 . working levels or 4 pictiCuries/liter(4pCi/L). l�J On-lot Sewage(If Applicable) Elected Buyer may obtain an Inspection of the individual on-lot sewage disposal system from a qualified, professional Waived inspector. If and as required by the inspection company, Seller, at Seller's expense, will locate, provide access to, and empty the individual on-lot sewage disposal system. Seller will restore the Property to its previous condition, _ at Seller's expense,prior to settlement.See paragraph 13(C)for more information regarding the Individual On-lot Sewage Inspection Contingency. Property Insurance Elected Buyer may determine the insurability of the Property by making application for property and casualty insurance far t Waived he Property to a responsible insurer,Broker for Buyer, if any,otherwise Broker for Seller,may communicate with t csr.L,_ I _ he insurer to assist in the insurance process. If the Property is located in a flood plain, Buyer may be required to _ carry flood insurance at Buyer's expense,which may need to be ordered 14 days or more prior to Settlement Dale, Property Boundaries Elected Buyer may engage the services of a surveyor, title abstractor, or other qualified professional to assess the legal Waived :v dcscription,certainty and location of boundaries and/or quantum of land.Most Sellers have not had the Property® surveyed as it is not a requirement of property transfer in Pennsylvania.Any fences, hedges,walls and other natural ' or constructed barriers may or may not represent the true boundary lines of the Property.Any numerical represent. , lotions of size of property are approximations only and may be inaccurate. Deeds,Restrictions and Zoning Elected Buyer may investigate easements,deed and use restrictions(including any historic preservation restrictions or ordi Waived antes)that apply to the Property and review local zoning ordinances.Buyer may verify that the present use of the f eAl reperty (such as in-law quarters, apartments, home office, day care) is permitted and may elect to make the • Agreement contingent upon an anticipated use.Present use: •,. Lead-Based Paint Hazards(For Properties prior to 1478 only) Elected Before Buyer is obligated to purchase a residential dwelling built prior to 1976,Buyer has the option to conduct a Waived _,:=risk assessment and/or inspection of the Property for the presence of lead-based paint and/or lead-based paint haz- ards unless Buyer waives that right.Regardless of whether this inspection is elected or waived,the Residential :.a Lead-Based Paint Hazard Reduction Act requires a Seller of property built prior to 1978 to provide the Buyer with an EPA-approved lead hazards information pamphlet titled Protect Your Family from Lead in Your Home,along with a separate form,attached to this Agreement,disclosing Seller's knowledge of lead- . - based paint hazards and any lead-based paint records regarding the Property. (See Notices Regarding Residential Lead-Based Paint Hazard Reduction Act) _„ Other ,,:o Elected Waived o` .,.: The Inspections elected above do not apply to the following existing conditions and/or items: =ns I:f 13.INSPECTION CONTINGENCY(1-10) (A) The Contingency Period is_days(10 if not specified) from the Execution Date of this Agreement for each Inspection elect. ed in Paragraph 12(C),except the following: Inspecrion(s) Contingency Period days days days days ., (B) Except as stated in Paragraph 13(C),if the result of any Inspection elected in Paragraph 12(C)is unsatisfactory to Buyer,Buyer �< will,within the stated Contingency Period: 1. Accept the Property with the information stated in the Report(s)and agree to the RELEASE in Paragraph 25 of this Agreement,OR 2. Terminate this Agreement by written notice to Seiler,with all deposit monies returned to Buyer according to the terns of Paragraph 23 of this Agreement,OR 3. Present the Reports)to Seller with a Written Corrective Proposal("Proposarl fisting corrections and/or credits desired by Buyer. The Proposal may,but is not required to,include the name(s)of a properly licensed or qualified professional(s)to perform the cor. reciions requested in the Proposal,provisions for payment, including retests,and a projected date for completion of the wrec- tions.Buyer agrees that Seller will not he held liable for corrections that do not comply with mortgage lender or governmental requirements if performed in a workmanlike manner according to the terms of Buyer's Proposal. a. No later than_days(5 if not specified)from the end of the Contingency Period(s),Seller will inform Buyer in writ- ing that Seller will: (1) Satisfy all the terms of Buyer's Proposal(s),OR (2) Not satisfy all the terms of Buyer's Proposal(s) K If Seller agrees to satisfy the terms of Buyer's Proposal, Buyer accepts the Property and agrees to the RELEASE in Para raph 25 of this Agreement. Initiats:�f, — ASnR Page b of II Seller tntiuir'1t—= aocumenl#pried sleC✓ali"ny.beady bMIN by redanl Rlehlla.VAR NIP6 :ww dWl pcam -- o. Within 5 days(2 if not specified)of the receipt of written notification that Seller will not satisfy all terms of Buyer's Proposal,or the time stated in paragraph 13(B)(3)(a) if Seiler fails to choose either option in writing, whichever occurs first, Buyer will: (1)Accept the Property with the information stated in the Report(s) and agree to the RELEASE in Paragraph 25 of this .. Agreement,OR (2)Tenuinate this Agreement by written notice to Seller,with all deposit monies returned to Buyer according to the terms of Paragraph 23 of this Agreement, OR (3)Enter into a mutually acceptable written agreement with Seller, providing for any repairs or improvements to the Property and/or any credit to Buyer at settlement,as acceptable to the mortgage lender,if any. If Buyer fails to respond within the time stated in Paragraph 13(B)(3)(c)or fails to terminate this Agreement by z.t written notice to Seller within that time,Buyer will accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement.. -u (C) if a Report reveals the need to expand or replace the existing individual on-lot sewage disposal system,Seller may,within days(25 if not specified)of receiving the Report,submit a Proposal to Buyer.The Proposal will include,but not be limited to,the name of the company to perform the expansion or replacement; provisions for payment, including retests; and a projected com- pletion date for corrective measures.Within 5 DAYS of receiving Seller's Proposal, or if no Proposal is provided within the stated time.Buyer will notify Seller in writing of Buyer's choice to: > I. Agree to the terns of the Proposal,accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement,OR 2. Terminate this Agreement by written notice to Seller, with all deposit monies returned to Buyer according to the terms of u� Paragraph 23 of this Agreement,OR 3. Accept the Property and the existing system and agree to the RELEASE in Paragraph 25 of this Agreement.If required by any .. mortgage tender andtor any governmental authority,Buyer will correct the defects before settlement or within the time required by the mortgage lender and/or governmental authority,at Buyer's sole expense,with percussion and access to the Property given by Seller,which may not be unreasonably withheld.If Seller denies Buyer permission and/or access to correct the defects,Buyer may,within-5-DAYS of Seller's denial,terminate this Agreement by written notice to Seller,with all deposit monies returned to Buyer according to the terms of Paragraph 23 of this Agreement If Buyer fails to respond within the time stated in Paragraph 13(C)or fails to terminate this Agreement by written notice to Seller within that time,Buyer will accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement. 14,NOTICES,ASSESSMENTS AND MUNICIPAL REQUIREMENTS(1-10) =i•" (A) in the event any notices,including violations,and/or assessments are received after Seller has signed this Agreement and before �• settlement,Seller will within, 5 DAYS of receiving the notices and/or assessments provide a copy of the notices and/or assess- •� mants to Buyer and will notify Buyer in writing that Seller will: t. Fully comply with the notices and/or assessments, at Seller's expense, before settlement. If Seller fully complies with the ., notices and/or assessments,Buyer accepts the Property and agrees to the RELEASE in Paragraph 25 of this Agreement,OR v.5 2. Not comply with the notices and/or assessments. I f Setter chooses riot to comply with the notices and/or assessments,or fails within the stated time to notify Buyer whether Seller will comply,Buyer will notify Seller in writing within 5 DAYS that Buyer will: '.a a. Comply with the notices and/or assessments at Buyer's expense, accept the Property, and agree to the RELEASE in v: Paragraph 25 of this Agreement,OR b. Terminate this Agreement by written notice to Seller,with all deposit monies returned to Buyer according to the terms of Paragraph 23 of this Agreement. If Buyer falls to respond within the time stated in Paragraph 14(A)(2)or fails to terminate this Agreement by written notice to Seller within that time,Buyer will accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement. (B) If required by law,within_30 DAYS from the Execution Date of this Agreement,but in no case later than 15 DAYS prior to Settlement Date,Seller will order at Seller's expense a certification from the appropriate municipal department(s)disclosing notice of any uncorrected violations of zoning,housing,building,safety or fire ordinances and/or a certificate permitting occupancy of the Property. If Buyer receives a notice of any required repairs/improvements,Buyer will promptly deliver a copy of the notice to Seller. 1. Within 5 DAYS of receiving notice from the municipality that repairs/improvements are required, Seller will deliver a copy of the notice to Buyer and notify Buyer in writing that Seller will: >.. a. Make the required repairs/improvements to the satisfaction of the municipality. If Seller makes the required repairs/improvements,Buyer accepts the Property and agrees to the RELEASE in Paragraph 25 of this Agreement,OR ., b. Not make the required repairs/improvements.If Seller chooses not to make the required repairs/improvements,Buyer will notify Seller in writing within 5 DAYS that Buyer will: .. (1) Make the repairslimprovements at Buyer's expense,with permission and access to the Property given by Seller,which >: will not be unreasonably withheld,OR >�• (2) Terminate this Agreement by written notice to Seller•with all deposit monies returned to Buyer according to the terms �.- of Paragraph 23 of this Agreement, =h. If Buyer fails to respond within the time stated in Paragraph 14(3)(1)(6)or faits to terminate this Agreement by written notice to Seller within that time,Buyer will accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement,and Buyer accepts the responsibility to perform the repairs/improvements according to the terms of the notice provided by the municipality. 2. if Seller denies Buyer permission to make the required repairs/improvements, or does not provide Buyer access before Settlement Date to make the required repairs/improvements,Buycr may,within 5 DAYS,terminate this Agreement by -,a written notice to Seller,with all deposit monies returned to Buyer according to the terms of Paragraph 23 of this Agreement. 3. If repairslimprovements are required and Seller fails to provide a copy of the notice to Buyer as required in this Paragraph,Seller ,. will pert all re a irs/improvements as required by the notice at Seller's expense.Paragraph I4(B)(3)will survive settlement. Barer tnidais: G�l� /� ASR Page 7 of 11 Seiler Initials: cowmen!mama ebcUOnic9ay I.,Hy boo,,q by rTTTEef�al nTn�luTTIe�VmM1"tip, .wvv.eolwop corv,myrve i:rlarvl�h<1 Lc!n:/:y"':1 �--/1 15. CONDOMINIUM/PLANNED COMMUNITY(HOMEOWNER ASSOCIATIONS) RESALE NOTICE(I-10) Property is NOT a Condominium or part of a Planned Community unless checked below. ,��, ❑ CONDOMINIUM.The Property is a unit of a condominium that is primarily nm by a unit owners'association. Section 3407 of the 4„1 Uniform Condominium Act of Pennsylvania(see Notice Regarding Condominiums and Planned Communities)requires Seller to 4ic furnish Buyer with a Certificate of Resale and copies of the condominium declaration(other than plats and plans),the bylaws and the rules and regulations of the association. ❑ PLANNED COMMUNITY(HOMEOWNER ASSOCIATION). The Property is part of a planned community as defined by the a Uniform Planned Community Act(see Notice Regarding Condominiums and Planned Communities). Section 5407(a)of the Act requires Seller to famish Buyer with a copy of the Declaration(other than plats and plans),the bylaws,the rules and regulations of the association, and a Certificate containing the provisions set forth in section 5407(a) of the Act. THE FOLLOWING APPLIES TO PROPERTIES THAT ARE PART OF A CONDOMINIUM OR A PLANNED COMMUNITY. (A) Within 15 DAYS from the Execution Date of this Agreement,Seller,at Seller's expense,will request from the association a Certificate of Resale and any other documents necessary to enable Seller to comply with the relevant Act.The Act provides that 1 the association is required to provide these documents within 10 days of Seller's request. (B) Seller will promptly deliver to Buyer all documents received from the association.Under the Act,Seller is not liable to Buyer for the failure of the association to provide the Certificate in a timely manner or for any incorrect information provided by the asso- ciation in the Certificate. (C) The Act provides that Buyer may declare this Agreement VOID at any time before Buyer receives the association documents and for 5 days after receipt, OR until settlement, whichever occurs first. Buyer's notice to Seller must be in writing; upon Buyer declaring this Agreement void, all deposit monies will be returned to Buyer according; to the terms of Paragraph 23 of this Agreement. (D) If the association has the right to buy the Property(right of first refusal),and the association exercises that right,Seller will reim- burse Buyer for any costs incurred by Buyer for any inspections or certifications obtained according to the terms of the Agreement. 4 and any costs incurred by Buyer for: (1)Title search,title insurance and/or mechanics'lien insurance,or any fee for cancellation; 4:a (2)Flood insurance, fire insurance, hazard insurance, mine subsidence insurance,or any fee for cancellation; (3)Appraisal fees 4�= and charges paid in advance to mortgage lender. 16.TITLES,SURVEYS AND COSTS(1-12) (A) The Property will be conveyed with good and marketable title that is insurable by a reputable title insurance company at the reg- "I. ular rates,free and clear of all liens,encumbrances,and easements,excepting however the following:existing deed restrictions; a,- historic preservation restrictions or ordinances;building restrictions;ordinance,;easements of roads; easements visible upon the ground;easements of record; and privileges or rights of public service companies,if any. (B) Buyer will pay for the following: (1) Title search, title insurance and/or mechanics'lien insurance, or any fee for cancellation; (2)Flood insurance, fire insurance, hazard insurance,mine subsidence insurance,or any fee for cancellation; (3)Appraisal fees .. and charges paid in advance to mortgage lender,(4)Buyer's customary settlement costs and accruals. (C) Any survey or surveys required by the title insurance company or the abstracting company for preparing an adequate legal description of the Property(or the correction thereof)will be obtained and paid for by Seller.Any survey or surveys desired by .�4 Buyer or required by the mortgage lender will be obtained and paid for by Buyer. �;. (D) If Seller is unable to give good and marketable title that is insurable by a reputable title insurance company at the regular rates,as v. specified in Paragraph 16(A),Buyer may terminate this Agreement by written notice to, Seller,with all deposit monies returned to Buyer according to the terms of Paragraph 23 of this Agreement, Upon termination, Seller will reimburse Buyer for any costs incurred by Buyer for any inspections or certifications obtained according to the terms of this Agreement,and for those items Spec- . ified in Paragraph 16(B)items(1),(2),(3)and in Paragraph 16(C). ..,� (E) Oil,gas, mineral,or other rights of this Property may have been previously conveyed or leased,and Sellers make no representa- 4_ tion about the status of those rights unless indicated elsewhere in this Agreement. ❑ Oil,Gas and Mineral Rights Addendum (PAR Form OGM)is attached. 44� (F) COAL NOTICE(Where Applicable) 444 THIS DOCUMENT MAY NOT SELL,CONVEY,TRANSFER,INCLUDE OR INSURE THE TITLE TO THE COAL AND RIGHTS OF SUPPORT UNDERNEATH 44, THE SURFACE LAND DESCRIBED OR REFERRED TO HEREIN,AND THE OWNER OR OWNERS OF SUCH COAL MAY HAVE THE COMPLETE LEGAL 44 RIGHT TO REMOVE ALL SUCH COAL AND IN THAT CONNECTION, DAMAGE MAY RESULT TO THE SURFACE OF THE LAND AND ANY HOUSE, ..., BUILDING OR OTHER STRUCTURE ON OR IN SUCH LAND. (This notice Is set forth in the manner provided In Section I of the Act of ,4. July 17, 1957,P.L. 984.)'Buyer acknowledges that he may not be obtaining the right of protection against subsidence resulting ._ from coal mining operations, and that the property described herein may be protected from damage due to mine subsidence by a 4,.. private contract with the owners of the economic interests in the coal.This acknowledgement is made for the purpose of com- plying with the provisions of Section 14 of the Bituminous Mine Subsidence and the Land Conservation Act of April 27, 1966.” +� Buyer agrees to sign the deed from Seller which deed will contain the aforesaid provision. (G) The Properly is not a "recreational cabin" as defined in the Pennsylvania Construction Code Act unless otherwise stated here (see All Notice Regarding Recreational Cabins): 4<= (H) This property is not subject to a Private Transfer Fee Obligation unless otherwise stated here(see Notice Regarding Private Transfer 41,. Fees): ❑Private Transfer Fee Addendum (PAR Form PTF)is attached. s. 17.MAINTENANCE AND RISK OF LOSS (1-10) (A) Seller will maintain the Property,grounds,fixtures and personal property specifically listed in this Agreement in its present con- dition,normal wear and tear excepted. .11.1 (B) If any system or appliance included in the sale of Property fails before settlement,Seller will: 40 1. Repair or replace the failed system or appliance before settlement,OR 41,: Buyer Initials:_l ASH Page 8 of 11 Seller Initials:/ F71_ Oavmenl epmtl ubmm�kalN.lepalN b iW by federal WUl .Venttps rwww w�w0 wm.nyrve�,ncatwnUg�iS n-:�'r-��ti 1,4 2. Provide prompt written notice to Buyer of Seller's decision to: a. Credit Buyer at settlement for the fair market value of the failed system or appliance,as acceptable to the mortgage lender, if any, OR b. Not repair or replace the failed system or appliance, and not credit Buyer at settlement for the fair market value of the failed system or appliance. 3. If Seller does not repair or replace the failed system or appliance or agree to credit Buyer for its fair market value,or if Seller .ro fails to notify Buyer of Seller's choice,Buyer will notify Seller in writing within 5 DAYS or before Settlement Date, :-i whichever is earlier,that Buyer will: r-: a. Accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement, OR 4-,. b. Terminate this Agreement by written notice to Seiler,with all deposit monies returned to Buyer according to the terms of Paragraph 23 of this Agreement. _ if Buyer fails to respond within the time stated in Paragraph 17(B)(3)or fails to terminate this Agreement by written notice to Seller within that time, Buyer will accept the Property and agree to the RELEASE in Paragraph 25 of this 4 Agreement. (C) Seller hears the risk of loss from fire or other casualties until settlement.If any property included in this sale is destroyed and not replaced prior to settlement,Buyer will: 1. Accept the Property in its then current condition together with the proceeds of any insurance recovery obtainable by Seller,OR 2. Terminate this Agreement by written notice to Seller, with all deposit monies returned to Buyer according to the terns of Paragraph 23 of this Agreement. 18.HOME WARRANTIES(1-10) :.J At or before settlement,either party may purchase a home warranty for the Property from a third-party vendor.Buyer and Seller under- .. stand that a home warranty for the Property does not alter any disclosure requirements of Seller,will not cover or warrant any pre- existing defects of the Property,and will not alter,waive or extend any provisions of this Agreement regarding inspections or certifi- cations that Buyer has elected or waived as part of this Agreement.Buyer and Seller understand that a broker who recommends a home .<, warranty may have a business relationship with the home warranty company that provides a financial benefit to the broker. 19.RECORDING(9-05) This Agreement will not be recorded in the Office of the Recorder of Deeds or in any other office or place of public record.If Buyer _. causes or permits this Agreement to be recorded, Seller may elect to treat such act as a default of this Agreement. 20.ASSIGNMENT(1-10) -. This Agreement is binding upon the parties,their heirs,personal representatives,guardians and successors,and to the extent assigna- •a ble,on the assigns of the parties hereto.Buyer will not transfer or assign this Agreement without the written consent of Seiler unless .. otherwise stated in this Agreement.Assignment of this Agreement may result in additional transfer taxes. +•_` 21.GOVERNING LAW,VENUE AND PERSONAL JURISDICTION(9-05) 4" (A) The validity and construction of this Agreement,and the rights and duties of the parties, will be governed in accordance with the laws of the Commonwealth of Pennsylvania. (B) The parties agree that any dispute,controversy or claim arising under or in connection with this Agreement or its performance by either party submitted to a court shall be filed exclusively by and in the state or federal tours sitting in the Commonwealth of Pennsylvania. • e 22,REPRESENTATIONS (1-10) 00' (A) All representations, claims, advertising, promotional activities, brochures or plans of any kind made by Seller, Brokers, their licensees, employees, officers or partners are not a part of this Agreement unless expressly incorporated or stated in this < Agreement. This Agreement contains the whole agreement between Seller and Buyer, and there are no other terns,obligations, covenants, representations, statements or conditions, oral or otherwise, of any kind whatsoever concerning this sale. This 50 Agreement will not be altered,amended,changed or modified except in writing executed by the parties. r. (B) Unless otherwise stated in this Agreement, Buyer has inspected the Property(including fixtures and any personal prop- erty specifically listed herein)before signing this Agreement or has waived the right to do so, and agrees to purchase the Property IN ITS PRESENT CONDITION,subject to inspection contingencies elected in this Agreement.Buyer acknowl- edges that Brokers,their licensees, employees,officers or partners have not made an independent examination or deter- • mination of the structural soundness of the Property,the age or condition of the components,environmental conditions, < the permitted uses, nor of conditions existing in the locale where the Property is situated;nor have they made a mechan- ical inspection of any of the systems contained therein. (C) Any repairs required by this Agreement will be completed in a workmanlike manner. 41'. (D) Broker(s)have provided or may provide services to assist unrepresented parties in complying with this Agreement. r 23.DEFAULT,TERMINATION AND RETURN OF DEPOSITS (1-10) r (A) Where Buyer terminates this Agreement pursuant to any right granted by this Agreement,Buyer will be entitled to a return of all deposit monies paid on account of Purchase Price pursuant to the terms of Paragraph 23(B),and this Agreement will be VOID. , Termination of this Agreement may occur for other reasons giving rise to claims by Buyer and/or Seller for the deposit monies. .. (B) Regardless of the apparent entitlement to deposit monies, Pennsylvania law does not allow a Broker holding deposit monies to ._ determine who is entitled to the deposit monies when settlement does not occur. Broker can only release the deposit monies: L If this Agreement is terminated prior to settlement and there is no dispute over entitlement to the deposit monies.A written y:a agreement signed by both parties is evidence that there is no dispute regarding deposit monies. - s_s 2. If, after Broker has received deposit monies,Broker receives a written agreement that is signed by Buyer and Seller,direct- ,_ ing Broker how to distribute some or all of the deposit monies. 3. According to the tents of a final order of court. 4. According to the terms of a prior written agreement between Buyer and Seller that directs the Broker how to distribute the . deposit monies if there is a dispute between the parties that is not resolved. (See Paragraph 23(C)) _ Buyer Inidals:_E_/171-_ ASR Page 9 of it Seller Initials:/_= cyc nivarwE aieis niilty.lepNH dndine by Woml elelWt.V¢a NJ, ,ww a110pcom mvg W,can,m71D,J,761 f07i-1711 (C) Buyer and Seller agree that if there is a dispute over the entitlement to deposit monies that is unresolved 365 days after the Settlement Date stated in Paragraph 4(A),or any written extensions thereof,the Broker holding the deposit monies will,with- in 30 days of receipt of Buyer's written request,distribute the deposit monies to Buyer unless the Broker is in receipt of verifi- able written notice that the dispute is the subject of litigation. If Broker has received verifiable written notice of litigation prior to the receipt of Buyer's request for distribution,Broker will continue to hold the deposit monies until receipt of a written distri- bution agreement between Buyer and Seller or a final court order. Buyer and Seller are advised to initiate litigation for any por- tion of the deposit monies prior to any distribution made by Broker pursuant to this paragraph. Buyer and Seller agree that the distribution of deposit monies based upon the passage of time does not legally determine entitlement to deposit monies,and that the patties maintain their legal rights to pursue litigation even after a distribution is made. (D) Buyer and Seller agree that Broker who holds or distributes deposit monies pursuant to the terms of Paragraph 23 or Pennsylvania law will not be liable. Buyer and Seller agree that if any Broker or affiliated licensee is named in litigation regarding deposit . _ monies,the attorneys'fees and costs of the Broker(s)and licensee(s)will be paid by the party naming them in litigation. -• (E) Seller has the option of retaining all stuns paid by Buyer, including the deposit monies, should Buyer: <,a 1. Fail to make any additional payments as specified in Paragraph 2,OR - 2. Furnish false or incomplete information to Seller, Broker(s), or any other party identified in this Agreement concerning Buyer's legal or financial status,OR 3. Violate or fail to fulfill and perform any other terms or conditions of this Agreement, -. (F) Unless otherwise checked in Paragraph 23(G),Seller may elect to retain those sums paid by Buyer,including deposit monies: 1. On account of purchase price,OR _ 2. As monies to be applied to Seller's damages,OR _= 3. As liquidated damages for such default. (G)® SELLER IS LIMITED TO RETAINING SUMS PAID BY BUYER,INCLUDING DEPOSIT MONIES,AS LIQUIDATED DAMAGES, (H) If Seller retains all sums paid by Buyer, including deposit monies,as liquidated damages pursuant to Paragraph 23(F) or(G), Buyer and Seller are released from further liability or obligation and this Agreement is VOID. ._+ (I) Brokers and licensees are not responsible for unpaid deposits. 24.MEDIATION(1-10) Buyer and Seller will submit all disputes or claims that arise from this Agreement,including disputes and claims over deposit monies, to mediation. Mediation will be conducted in accordance with the Rules and Procedures of the Home Sellers/Home Buyers Dispute Resolution System,unless it is not available,in which case Buyer and Seller will mediate according to the terms of the mediation sys- tem offered or endorsed by the local Association of REALTORS".Mediation fees,contained in the mediator's fee schedule,will be sla divided equally among the parties and will be paid before the mediation conference,This mediation process must be concluded before any party to the dispute may initiate legal proceedings in any courtroom,with the exception of filing a summons if it is necessary to -=a stop any statute of limitations fern expiring.Any agreement reached through mediation and signed by the parties will be binding(see Notice Regarding Mediation).Any agreement to mediate disputes or claims arising from this Agreement will survive settlement. `^ 25.RELEASE(9-05) Buyer releases, quit claims and forever discharges SELLER,ALL BROKERS, their LICENSEES, EMPLOYEES and any OFFICER or PARTNER of any one of them and any other PERSON, FIRM or CORPORATION who may be liable by or through them,from any and all claims,losses or demands,including, but not limited to,personal injury and property dam- age and all of the consequences thereof,whether known or not,which may arise from the presence of termites or other wood- boring insects, radon,lead-based paint hazards, mold, fungl or indoor air quality, environmental hazards,any defects in the individual on-lot sewage disposal system or deficiencies in the on-site water service system,or any defects or conditions on the _ Prnperty.Should Seller be in default under the terms of this Agreement or in violation of any Seller disclosure law or rcgula- -, tion,this release does not deprive Buyer of any right to pursue any remedies that may be available under law or equity.This release will survive settlement. 26.REAL ESTATE RECOVERY FUND(9-05) A Real Estate Recovery Fund exists to reimburse any persons who have obtained a final civil judgment against a Pennsylvania real estate licensee(or a licensee's affiliates)owing to fraud,misrepresentation,or deceit in a real estate transaction and who have been unable to collect the judgment after exhausting all legal and equitable remedies.For complete details about the Fund calf(717)783- > 3658 or(800) 822-2113 (within Pennsylvania) and(717)7834854 (outside Pennsylvania). <, 27.COMMUNICATIONS WITH BUYER ANDIOR SELLER(1-10) Wherever this Agreement contains a provision that requires or allows communication/delivery to a Buyer,that provision shall be satis- fied by communication/delivery to the Broker for Buyer, if any, except for documents required to be delivered pursuant to 1r4 Paragraph 15.If there is no Broker for Buyer,those provisions may be satisfied only by communication/delivery being made direct. ly to the Buyer, unless otherwise agreed to by the parties.Wherever this Agreement contains a provision that requires or allows com- munication/delivery to a Scllcr,that provision shall be satisfied by communication/delivery to the Broker for Seller,if any. if there is no Broker for Seller,those provisions may be satisfied only by communication/delivery being made directly to the Seller,unless other- ,.. wise agreed to by the parties. r•. 28.SPECIAL CLAUSES(1-10) ,• (A) The following are part of this Agreement if checked; ❑ Sale&Settlement of Other Property Contingency Addendum(PAR Form SSP) . _ ❑ Sale&Settlement of Other Property Contingency with Right to Continue Marketing Addendum(PAR Form SSP-CM) Settlement of Other Property Contingency Addendum(PAR Forth SOP) s., Short Sale Addendum to Agreement of Sale(PAR Form SHS) ❑ Appraisal Contingency Addendum(PAR Form ACA) ® Pro perty Must Appraise for full askiniiprice. Buver In dalsc I ASR Page 10 of 11 Seller Initials: / ew nl xwo clew Moally.kUally,ln in9 ey edemlxeule Vua n,Urs It'I.P v*'" ",_"-%cn'=^'1 w�r.�eu u1ry •a ,.1•,. (B) Additional Terms: 1,1 rio nn l; „r a+ i Buyer and Seller acknowledge receipt of a copy of this Agreement at the time of signing. •�l This Agreement may be executed in one or more counterparts,each of which shall be deemed to be an original and which coun- terparts together shali constitute one and the same Agreement of the Parties. t'l•' NOTICE TO PARTIES: WHEN SIGNED, THIS AGREEMENT 1S A BINDING CONTRACT. Parties to this transaction are =t advised to consult a Pennsylvania real estate attorney before signing if they desire legal advice. Return of this Agreement,and any addenda and amendments,including return by electronic transmission,bearing the signatures of all parties,constitutes acceptance by the parties. 1•= �_ Buyer has received the Consumer Notice as adopted by the State Real Estate Commission at 49 Pa.Code §35.336. Buyer has received a statement of Buyer's estimated closing costs before signing this Agreement. Buyer has read and understands the notices and explanatory information in this Agreement. Buyer has received a Seller's Property Disclosure Statement before signing this Agreement, if required by law -� (see Information Regarding the Real Estate Seiler Disclosure Law). - F �47, Buyer has received the Deposit Money Notice (for cooperative sales when Broker for Seller is holding deposit money)before signing this Agreement. Buyer has received the Lead-Based Paint hazards Disclosure,which is attached to this Agreement of Sale,and the pamphlet Protect Your Family from Lead in Your Home(for properties built prior to 1978) BUYER - aweaa»nn.e �TOCwfC° DATE A°o�x BUYER DATE BUYER DATE :;t, Seller has received the Consumer Notice as adopted by the State Real Estate Commission at 49 Pa.Code§35.336. r•; Seller has received a statement of Seller's estimated closing costs before signing this Agreement. t•�. Seller has read and understands the notices and explanatory information in this Agreement. t SELLER DATE -�. SELLER DATE l•;l SELLER DATE ASR Page 11 of I I Revised 1/13 0on,msni son ale tmnk ey,inno,MMlog,y Wsm,zaIte visit u0 ns j—amiwv cam MyNef f,C,WmDL-41 i6S4Ua4711 NOTICE REGARDING CONVICTED SEX OFFENDERS(MEGAN'S LAW) The Pennsylvania General Assembly has passed legislation(often referred to as"Megan's Law,"42 Pa.C.S. § 9791 et seq.)provid- ing for community notification of the presence of certain convicted sex offenders.Buyers are encouraged to contact the munici- pal police department or the Pennsylvania State Police for information relating to the presence of sex offenders near a par- titular property,or to check the information on the Pennsylvania State Police Web site at www.parreganslaw.state.pa.us. FOREIGN INVESTMENT IN REAL PROPERTY TAX ACT OF 1980 (FIRPTA) The disposition of a U.S. real property interest by a foreign person (the transferor) is subject to the Foreign Investment in Real Property Tax Act of 1980(FIRPTA)income tax withholding.FIRPTA authorized the United States to tax foreign persons on dispo- sitions of U.S. real property interests.This includes but is not limited to a sale or exchange, liquidation;redemption,gift,transfers, ctc.Persons purchasing U.S.real property interests(transferee)from foreign persons,certain purchasers'agents,and settlement offi- cers are required to withhold 10 percent of the amount realized(special rules for foreign corporations).Withholding is intended to ensure U.S.taxation of gains realized on disposition of such interests.The transferee/Buyer is the withholding agent.If you are the transferee/Buyer you must find out if the transferor is a foreign person.If the transferor is a foreign person and you fail to withhold, you may be held liable for The lax. NOTICE REGARDING REAL ESTATE TAXES (Paragraph 2: Purchase Price and Deposits) Real Estate Tax Proration: For purposes of prorating real estate taxes,the"periods covered"by the tax bills are as follows: Municipal Taxes:For all counties and municipalities in Pennsylvania,tax bills arc for the period January I to December 31. School Taxes: For all school districts, other than the Philadelphia, Pittsburgh and Scranton school districts,the period covered by the tax bill is July 1 to June 30. For the Philadelphia,Pittsburgh and Scranton school districts,tax bills are for the period January I to December 31. Real Estate Assessment: In Pennsylvania,taxing authorities(school districts and municipalities)and property owners may appeal the assessed value of a property at the time of sale,or at any time thereafter.A successful appeal by a taxing authority may result in a higher assessed value for the property and an increase in property taxes.Also,periodic county-wide property reassessments may change the assessed value of the property and result in a change in property tax. NOTICE TO BUYERS SEEKING MORTGAGE FINANCING(Paragraph 8: Mortgage Contingency) The appraised value of the Property is used by lenders to deterr»ne the maximum amount of a mortgage loan.The appraised value is determined by an independent appraiser, subject to the mortgage lender's underwriter review, and may be higher or lower than the Purchase Price and/or market price of the property. The Loan-To-Value Ratio (LTV) is used by lenders as one tool to help assess the potential risk of a mortgage loan. LTV is deter- mined by dividing the requested loan amount by either the Purchase Price or the appraised value of the property,whichever is lower. A particular LTV may be necessary to qualify for certain loans,or Buyers might be required to pay additional fees if the LTV exceeds _ a specific level. NOTICE REGARDING TRUTH IN LENDING(Paragraph 8:Mortgage Contingency) The Mortgage Disclosure Improvement Act requires mortgage lenders to provide Buyer with a Truth in Lending ML)statement at the time of mortgage application(early disclosure)and anytime thereafter(rc-disclosure)if the annual percentage rate(APR)changes by mom than .125 percent.Settlement cannot occur within 7 days of the early disclosure or within 3 days of re-disclosure.If a re-disclosure of a TIL state- ment is made within 3 days of the Settlement Date in the Agreement,settlement for the Property would have to occur after the Settlement Date stated.Buyer and Seller are advised that the APR may change by more than.125 percent based on factors including,but not limited to,Seller credits,changes in loan amount or duration,and Settlement Date change.if the Buyer and Seller agree to modify the Settlement Date in response to The TIL statement waiting period,or for any other reason,it should be done by mutual written agreement of the parties. Buyer Inilials:121/= ASR Notices Page 1 of 8 Seller Initials: Dpw W eianea el mN nr bgaay bneioa by I a el awtule.wail„np`i+ Gciwp cam myNe:mee-,on0L417o440 7 1711 SEWAGE NOTICES(Paragraph 10: Seller Representations) NOTICES PURSUANT TO THE PENNSYLVANIA SEWAGE FACILITIES ACT NOTICE 1: THERE IS NO CURRENTLY EXISTING COMMUNITY SEWAGE SYSTEM AVAILABLE FOR THE SUBJECT PROPERTY. Section 7 of the Pennsylvania Sewage Facilities Act provides that no person shall install,construct,request bid pro- posals for construction, alter,repair or occupy any building or structure for which an individual sewage system is to be installed, without first obtaining a pennit. Buyer is advised by this notice that,before signing this Agreement, Buyer should contact the local agency charged with administering the Act to determine the procedure and require- ments for obtaining a permit for an individual sewage system.The local agency charged with administering the Act will be the municipality where the Property is located or that municipality working cooperatively with others. NOTICE 2: THIS PROPERTY IS SERVICED BY AN INDIVIDUAL SEWAGE SYSTEM INSTALLED UNDER THE TEN-ACRE PERMIT EXEMPTION PROVISIONS OF SECTION 7 OF THE PENNSYLVANIA SEWAGE FACILITIES ACT. (Section 7 provides that a permit may not be required before installing, constructing, awarding a contract for con- struction,altering.repairing or connecting to an individual sewage system where a ten-acre parcel or lot is subdivid- ed from a parent trace after January 10, 1987). Buyer is advised that soils and site testing were not conducted and that,should the system malfunction,the owner of the Property or properties serviced by the system at the time of a malfunction may be held liable for any contamination,pollution,public health hazard or nuisance which occurs as a result. NOTICE 3: THIS PROPERTY IS SERVICED BV A HOLDING TANK(PERMANENT OR TEMPORARY)TO WHICH SEWAGE IS CONVEYED BY A WATER CARRYING SYSTEM AND WHICH IS DESIGNED AND CON- STRUCTED TO FACILITATE ULTIMATE DISPOSAL OF THE SEWAGE AT ANOTHER SITE. Pursuant to the Pennsylvania Sewage Facilities Act,Seller must provide a history of the annual cost of maintaining the tank from the date of its installation or December 14, 1995,whichever is later. NOTICE 4: AN INDIVIDUAL SEWAGE SYSTEM HAS BEEN INSTALLED AT AN ISOLATION DISTANCE FROM A WELL THAT IS LESS THAN THE DISTANCE SPECIFIED BY REGULATION. The regulations at 25 Pa. Code §73.13 pertaining to minimum horizontal isolation distances provide guidance. Subsection(b)of§73.13 states that the minimum horizontal isolation distance between an individual water supply or water supply system suction line and treatment tanks shall be 50 feet.Subsection(c)of§73.13 states that the hori- zontal isolation distance between the individual water supply or water supply system suction line and the perimeter of the absorption area shall be 100 feet. NOTICE 5: THIS LOT IS WITHIN AN AREA IN WHICH PERMIT LIMITATIONS ARE IN EFFECT AND IS SUBJECT TO THOSE LIMITATIONS. SEWAGE FACILITIES ARE NOT AVAILABLE FOR THIS LOT AND CON- STRUCTION OF A STRUCTURE TO BE SERVED BY SEWAGE FACILITIES MAY NOT BEGIN UNTIL THE MUNICIPALITY COMPLETES A MAJOR PLANNING REQUIREMENT PURSUANT TO THE PENNSYLVANIA SEWAGE FACILITIES ACT AND REGULATIONS PROMULGATED THEREUNDER. ti Sayer taitia}sc t-�.{— ASR Notices Page 2 of 8 Seller Ialtiais:_/MLI_= ooaimenl e'anee elecuonleallyl ftalty NMI"by teaerel eWlula vis l 1105 'wvm dor.,cn cam mrlVC141r eoWDL4176NO 7 17 11 NOTICES REGARDING LAND USE RESTRICTIONS (Paragraph 10: Seller Representations) NOTICE PURSUANT TO THE PENNSYLVANIA RIGHT-TO-FARM LAW(3.P.S.§ 951-957) The property you are buying may be located in an area where agricultural operations take place. Pennsylvania protects agricultural resources for the production of food and agricultural products.The law limits circumstances where normal agricultural operations may be subject to nuisance lawsuits or restrictive ordinances. FARMLAND AND FOREST LAND ASSESSMENT ACT(CLEAN AND GREEN PROGRAM)(72 P.S. §5490.1 ct seq.) Properties enrolled in the Clean and Green Program receive preferential.tax assessment. _ Notices Required by Seller: A Seller of Property enrolled in the Clean and Green Program must submit notice of the sale and any proposed changes in the use of Seller's remaining enrolled Property to the County Assessor 30 days before the transfer of title to Buyer. Notices Required by Buyer: A Buyer of Property enrolled in the Clean and Green Program must submit notice of any proposed changes Buyer intends to make in the use of the Property being purchased to the County Assessor at least 30 days prior to under- taking any changes. Loss of Preferential Tax Assessment: The sale of Property enrolled in the Clean and Green Program may result in the loss of pro- gram enrollment and the loss of preferential tax assessment for the Property and/or the land of which it is a pan and from which it is being separated.Removal from enrollment in the Clean and Green Program may result in the charge of roll-back taxes and inter- est.A roll-back tax is the difference in the amount of taxes paid under the program and the taxes that would have been paid in the absence of Clean and Green enrollment.The roll-back taxes are charged for each year that the Property was enrolled in the program, limited to the past 7 years. Buyer and Seller have been advised of the need to determine the lax implications that will or may result from the sale of the Property to Buyer or that may result in the future as a result in any change in use of the Property or the land from which it is being separated by contacting the County Tax Assessment Office before the execution of this Agreement of Sale. OPEN SPACE ACT 32 P.S. §5001 et seq. This Act enables counties to enter into covenants with owners of land designated as farm,forest, water supply,or open space land on an adopted municipal, county or regional plan for the purpose of preserving the land as open space.A covenant between the owner and county is binding upon any Buyer of the Property during the period of time that the covenant is in effect(5 or 10 years). Covenants automatically renew at the end of the covenant period unless specific termination notice procedures are followed. Buyer acknowledges that the purchase of Property for which there is a covenant will not extinguish die covenant and that a change in the use of the land to any other use other than that designated in the covenant will constitute a breach. When a breach of the covenant occurs, the then-owner is required to pay roll-back taxes and interest A roll-back tax is the difference in the amount of taxes paid and the taxes that would have been paid in the absence of the covenant.The roll-back taxes are charged for each year that the Properly was subject to the covenant, limited to the past 5 years. Buyer has been advised of the need to determine the restrictions that will apply from the sale of the Property to Buyer and the tax implications that will or may result from a change in use of the Property,or any portion of it.Buyer is further advised to determine the term of any covenant now in effect. Buyerinitisiv. 2: _/ E71 ASR Notices Page3 ofS Seller l nitials:_.�_/ DYARwnI e:B:wd OkNankay;IeBMy 4ndrg br fedoee elalule.YUil nit's Maw OOI'ooa eom mpvru4a:mnrJLCI vHO�-Rte NOTICES REGARDING PROPERTY& ENVIRONMENTAL INSPECTIONS (Paragraph 12: Inspections) Exterior Insulation and Finish Systems (EIFS): Exterior Insulation and Finish Systems—sometimes referred to as synthetic stucco—are multi-layered wall systems applied to the exterior of some homes.Poor or improper installation of EIFS may result in moisture penetrating the surface of a structure where it may cause damage to the building's frame. Leakage most frequently occurs near doors and windows, gutters, the roof connection and at the lowermost edge of the exterior surface. Vulnerability to leakage depends on structure design as well as the expertise and application skills of the contractor.Damage caused by water intrusion may be both extensive and expensive to repair but may go undetected in the absence of an adequate inspection.Buyers purchasing homes with EIFS construction may seek to engage an inspector experienced in testing for EIFS-related problems who can determine the moisture content of the building's frame. Asbestos: The heat-resistant and durable nature of asbestos makes it useful in construction. The physical properties that give asbestos its resistance to heat and decay are linked with several adverse health efTects.Asbestos can easily break into microscopic fibers that remain suspended in the air for long periods of time.When inhaled,these fibers easily penetrate body tissue.Asbestos is known to cause Asbestosis and various forms Of cancer. Inquiries or requests for more information about asbestos can be directed to the U.S. Environmental Protection Agency,And Rios Building, 1200 Pennsylvania Ave N,W„Washington,D.C.20460,and/or the Department of Health.Commonwealth of Pennsylvania,Division of Environmental Health,Harrisburg,PA 17120, Electromagnetic Fields: Electromagnetic Fields (EMFs) occur around all electrical appliances and power lines. Conclusive evi- dence that EMFs pose health risks does not exist at present, and Pennsylvania has no laws regarding this issue, Environmental Hazards: The U.S.Environmental Protection Agency has a list of hazardous substances, the use and disposal of which are restricted by law.Generally,if hazardous substances are found on a property, it is the property owner's responsibility to dispose of them properly. For more information and a list of hazardous substances, contact the U.S. Environmental Protection Agency,Ariel Rios Building, 1200 Pennsylvania Ave.,N.W.,Washington,D.C.20460,(202)260-2090. Wetlands: Wetlands are protected by the federal and state governments. Buyer may wish to hire an environmental engineer to investigate whether the Property is located in a wetlands area to determine if permits for plans to build,improve or develop the prop- erty would be affected or denied because of its location in a wetlands area, Mold,Fungi and Indoor Air Quality: Indoor mold contamination and the inhalation of bioaerosols(bacteria,mold spores,pollen and viruses)have been associated with allergic responses including upper respiratory congestion, cough,mucous membrane irrita- tion, fever,chills,muscle ache or other transient inflammation or allergy. Claims have been asserted that exposure to mold contam- ination and bioaerosols has led to serious infection, immunosuppression and illnesses of return or systemic toxicity. Sampling of indoor air quality and other methods exist to determine the presence and scope of indoor contamination. Because individuals may be affected differently, or not affected at all,by the presence of mold or other bioaerosols,Buyer may wish to engage the services of a qualified professional to undertake an assessment and/or sampling of the Property.Assessments and samplings for the presence of mold and bioaerosols can be performed by qualified industrial hygienists, engineers, laboratories and home inspection compa- nies that offer these services. Information about indoor air quality issues is available through the U.S. Environmental Protection Agency and may be obtained by contacting IAQ INFO,P.O. Box 37133,Washington,D.C. 20013-7133, 1-8004384318. Radon: Radon is a natural,radioactive gas that is produced in the ground by the normal decay of uranium and radium.Studies indi- cate that extended exposure to high levels of radon gas can increase the risk of lung cancer.Radon can find its way into any air-space and can permeate a structure. If a house has a radon problem, it usually can be cured by increased ventilation and/or by preventing radon entry.Any person who tests,mitigates or safeguards a building for radon in Pennsylvania must be certified by the Department of Environmental Protection. Information about radon and about certified testing or mitigation firms is available through Department of Environmental Protection,Bureau of Radiation Protection,13th Floor,Rachel Carson State Office Building,P.O.Box 8469, Harrisburg,PA 17105-8469, (800)23RADON or(717) 783-3594. www.cpa.gov NOTICES REGARDING RESIDENTIAL LEAD-BASED PAINT HAZARD REDUCTION ACT (Paragraph 12: Inspections) Lead-Based Paint Hazards Disclosure Requirements (for properties built before 1978): The Residential Lead-Based Paint Hazard Reduction Act requires any Seller of property built before 1978 to provide the Buyer with an EPA-approved lead hazards information pamphlet titled Protect Your Fmnify from Lear!in Your Home and to disclose to the Buyer and the broker(s)the known presence of lead-based paint and/or lead-based paint hazards in or on the property being sold, along with the basis used for deter- mining that the hazards exist,the location of the hazards,and the condition of painted surfaces.Any Seller of a pre-1978 structure must also provide the Buyer with any records or reports available to the Seller regarding lead-based paint and/or lead-based paint hazards in or about the property being sold, the common areas, or other residential dwellings in multi-family housing. Before a Buyer is obligated to purchase any housing constructed prior to 1978,the Act requires the Seller to give the Buyer 10 days (unless Buyer and Seller agree in writing to another time period) to conduct a risk assessment or inspection for the presence of lead-based paint and/or lead-based paint hazards.The opportunity to conduct a risk assessment or inspection may be waived by the Buyer, in writing.Neither testing nor abatement is required of the Seller.Housing built in 1978 or later is not subject to the Act. Buyer Initials: a /.__F7 ASR Notices Page 4 of$ Seller fbcumanl epned ebdra+kelh:IepeM lvrdirg by ledeml etvlule Vna'uns.wxw wnwn corn mY�enimnnoMR�.I i65a0't; LEAD WARNING STATEMENT (FOR PROPERTIES BUILT BEFORE 1978)Every purchaser of any interest in residential real property on which a residential dwelling was built prior to 1978 is notified that such property may present exposure to lead from lead-based paint that may place young children at risk of developing lead poisoning.Lead poisoning it)young children may produce permanent neurological damage, including learning disabilities, reduced intelligence quotient, behavioral problems, and impaired memory. Lead poisoning also poses a particular risk to pregnant women. The Seller of any interest in residential real property is required to provide the Buyer with any information on lead-based paint hazards from risk assessments or inspections in the Seller's possession and notify the Buyer of any known lead-based paint hazards.A risk assessment or inspection for possible lead-based paint hazards is recommended prior to purchase. NOTICE REGARDING THE HOME INSPECTION LAW(68 Pa.C.S.A. §7501,et seq,) (Paragraph 12: Inspections) _ Applicability: The Home Inspection Law applies to"residential real estate transfers,"defined as a sale,exchange,installment sales contract, lease with an option to buy, grant or other transfer of an interest in real property where NOT LESS THAN ONE AND NOT MORE THAN FOUR RESIDENTIAL DWELLING UNITS are involved.(See Notice Regarding The Real Estate Seller Disclosure Law(exceptions 1-8) for a list of exceptions to this general rule.) The following definitions are taken from the text of the Home Inspection Law Home Inspection: A non-invasive,visual examination of some combination of the mechanical, electrical or plumbing systems or the structural and essential components of a residential dwelling designed to identify material defects in those systems and compo- nents, and performed for a fee in connection with or preparation for a proposed or possible residential real estate transfer.The term also includes any consultation regarding the property that is represented to be a home inspection or that is described by any con- fusingly similar term.The term does not include an examination of a single system or component of a residential dwelling such as, for example, its electrical or plumbing system or its roof.The term also does not include an examination that is limited to inspec- tion for,or of,one or more of the following:wood-destroying insects,underground tanks and wells,septic systems,swimming pools and spas, alarm systems, air and water quality, tennis courts and playground equipment, pollutants, toxic chemicals and enviren- mental hazards.The scope of a home inspection, the services to be performed and the systems and conditions to be inspected or excluded from inspection may be defined by a contract between the home inspector and the client. Home inspection Report: A written report on the results of a home inspection. •home inspection report shall include: _ (1) A description of the scope of the inspection,including without limitation an identification of the structural elements, sys- tems and subsystems covered by the report. (2) A description of any material defects noted during the inspection, along with any recommendation that certain experts be retained to determine the extent of the defects and any corrective action that should be taken.A"material defect"that poses an unreasonable risk to people on the property shall be conspicuously identified as such. •home inspector shall not express either orally or in writing an estimate of the cost to repair any defect found during a home inspec- tion, except that such an estimate may be included in a home inspection report if., (1) the report identifies the source of the estimate; (2) the estimate is stated as a range of costs; and (3) the report states that the parties should consider obtaining an estimate from a contractor who performs the type of repair involved. Seller shall have the right,upon request, to receive without charge a copy of any inspection report from the party for whom it was prepared. Home inspector: An individual who performs a home inspection. National home inspectors association: Any national association of home inspectors that: (1) Is operated on a not-for-profit basis and is not operated as a franchise. (2) Has members in more than ten states. (3) Requires that a person may not become a full member unless the person has performed or participated in more than 100 home inspections and has passed a recognized or accredited examination testing knowledge of the proper procedures for conducting a home inspection. (4) Requires that its members comply with a code of conduct and attend continuing professional education classes as an ongo- ing condition of membership. A Buyer shall be entitled to rely in good faith,without independent investigation, on a written representation by a home inspector that the home inspector is a full member in good standing of a national home inspection association. Material defect: A problem with a residential real property or any portion of it that would have a significant adverse impact on the value of the property or that involves an unreasonable risk to people on the property.The fact that a structural element, system or subsystem is near, at or beyond the end of the normal useful life of such a structural element,system or subsystem is not by itself a material defect. Buyerinifials: Z /_F ASR Notices Page 5 of 8 Seller Initials: t� eorAmee!egneE electrorc Ray.lepely biMirp by fe r.leWWt..Vma'nWS.www eonoop cam myNenSCa.on'DL-�tioWOJ4it1 NOTICES REGARDING CONDOMINIUMS AND PLANNED COMMUNITIES (Paragraph 15:CondeminiumfPlanned Community(Homeowner Association)Resale Notice) Definition of a Condominium The Uniform Condominium Act defines a "condominium' as real estate, portions of which are designated for separate ownership and the remainder of which is designated for common ow-nership solely by the owners of those portions. Real estate is not a condominium unless the undivided interests in the common elements are vested in the unit owners. - Definition of a Planned Community The Uniform Planned Community Act defines a"planned community"as real estate with respect to which a person,by virtue of ownership of an interest in any portion of the real estate,is or may become obligated by covenant,casement or agreement imposed on the owner's interest to pay any amount for real property taxes. insurance,maintenance,repair, improvement,management, administration or regulation of any part of the real estate other than the portion or interest owned solely by the person.The term excludes a cooperative and a condominium,but a coop- erative or condominium may he part of a planned community. For the purposes of this definition, "ownership"includes holding a leasehold interest of more than 20 years,including renewal options,in real estate.The term includes non-residential campground communities. Exemptions from the Uniform Planned Community Act and the Uniform Condominium Act: When a Certificate of Resale Is Not Required The owner of a property located within a planned community is not required to furnish the Buyer with a certificate of resale under the follow- ing circumstances: (1) The Planned Community contains no more than 12 units,provided there is no possibility of adding real estate or subdividing units to increase the size of the Planned Community. (2) The Planned Community/Condominium is one in which all of the units are restricted exclusively to non-residential use,unless the dec- laration provides that the resale provisions are nevertheless to be followed. (3) The Planned Community/Condominium or units are located outside the Commonwealth of Pennsylvania. (q) The transfer of the unit is a gratuitous transfer, (5) The transfer of the unit is required by court order. (6) The transfer of the unit is by the government or a governmental agency. (7) The transfer of the unit N the result of foreclosure or in lieu of foreclosure. _ .• Notices Regarding Public Offering Statements and Right to Rescission If Seller is a Declarant of the condominium or planned community, Seller is required to furnish Buyer with a copy of the Public Offering Statement and its amendments.For condominiums, the delivery of the Public Offering Statement must be made no later than the date the Buyer executes this Agreement.Buyer may cancel this Agreement within 15 days after receiving the Public Offering Statement and any amendments that materially and adversely affect Buyer.For planned communities,the Declarant must provide the Buyer with a copy of the Public Offering Statement and its amendments no later than the date the Buyer executes this Agreement.Buyer may cancel this Agreement within 7 days after receiving the Public Offering Statement and any amendments that materially and adversely affect Buyer. NOTICES REGARDING RECREATIONAL CABINS(Paragraph 16:Title,Surveys&Casts) The following definitions and requirements are taken from the Pennsylvania Construction Code Act(35 P.S.§7210.101 et.seq.) •Recreational Cabin is a structure which is; (1) Utilized principally for recreational activity; (2) Not utilized as a domicile or residence for any individual for any time period; (3) Not utilized for commercial purposes; (A) Not greater than two stories in height,excluding basement; (5) Not utilized by the owner or any other person as a place of employment; (6) Not a mailing address for bills and correspondence;and (7) Not listed as an individual's place of residence on a tax return,driver's license,car registration or voter registration. •recreational cabin may be exempt from the provisions of the Pennsylvania Construction Code Act if: (1) The cabin is equipped with at least one smoke detector,one fire extinguisher and one carbon monoxide detector in both the kitchen and sleeping quarters;and (2) The owner of the cabin files with the municipality either: (a) An affidavit on a fort prescribed by the Pennsylvania Department of Labor and Industry attesting to the fact that the cabin meets the definition of a"recreational cabin" in Section 103 of the Act; or (b) A valid proof of insurance for the recreational cabin,written and issued by an insurer authorized to do business in this Commonwealth,stating that the structure meets the definition of a"recreational cabin"as defined in Section 103 of the Act. If a recreational cabin is subject to exclusion from the Pennsylvania Construction Code Act,upon transfer of ownership of the recre- ational cabin,written notice must be provided in the sales agreement and the deed that the recreational cabin: (1) Is exempt from this Act; (2) May not be in conformance with the uniform construction code;and (3) Is not subject to municipal regulation. Failure to comply with this notice requirement shall render the sale void at the option of the purchaser. Buyer lnirtais:--Lt� ASR Notices Page 6 of R Setter initials: 1 f= Doumenl ai6�abcVOrucally,IOpepydMilq by le0erel eleWte.VUll nrvns :a.w.ac:ocn:nr�m:.momra,o:..gtA RfiPao.;.n•• NOTICES REGARDING PRIVATE TRANSFER FEES(Paragraph 16:Title, Surveys & Costs) In Pennsylvania,Private Transfer Fees are defined and regulated in the Private Transfer Fee Obligation Act(Act 1 of 2011; 68 Pa.C.S. §§ 8101, el.seq.), which defines a Private Transfer Fee as"a fee that is payable upon the transfer of an interest in real properly,or payable for the right to make or accept the transfer, if the obligation to pay the fee or charge runs with title to the property or otherwise binds subsequent owners of property,regardless of whether the fee or charge is a fixed amount or is determined as a percentage of the value of the property,the Purchase price or other consideration given for the transfer."A Private Transfer Fee must be properly recorded to be binding,and sellers must disclose the existence of the fees to prospective buyers. Where a Private Transfer Fee is not properly recorded or disclosed,the Act gives cer- tain rights and protections to buyers. NOTICES REGARDING MEDIATION (Paragraph 24:Mediation) HOME SELLERS/HOME,BUYERS DISPUTE RESOLUTION SYSTEM RULES AND PROCEDURES 1. Agreement of Parties: The Rules and Procedures of the Dispute Resolution System(DRS)apply when the parties have agreed in writing to mediate under DRS.The written agreement can be achieved by a standard clause in an agreement of sale,an addendum to an agreement of sale,or through a separate written agreement. 2. Initiation of Mediation: If a dispute exists, any party may start the mediation process 6 submitting a completed Request to Initiate Mediation DRS Transmittal Form(Transmittal Form)to the local Association of REALTORS I (hereafter"Administrator*'),The Transmittal Form should be available through the Administrator's office.The initiating party should try to include the following information when send- ing the completed Transmittal Form to the Administrator: a. A copy of the written agreement to mediate if there is one, OR a request by the initiating party to have the Administrator contact the other parties to the dispute to invite them to join the mediation process. b. The names, addresses and telephone numbers of the parties involved in the dispute, including the name of every insurance com- pany known to have received notice of the dispute or claim and the corresponding file or claim number. c. A brief statement of the facts of the dispute and the damages or relief sought. 3. Selection of Mediator: Within five days of receiving the completed Transmittal Form, the Administrator will send each party to the dis- pute a copy of the Transmittal Form and a list of qualified mediators and their fee schedules.Each party then has ten days to review the list of mediators,cross off the name of any mediator to whom the party objects,and return the list to the Administrator.The Administrator will appoint the first available mediator who is acceptable to all parties involved. A mediator who has any financial or personal interest in the dispute or the results of the mediation cannot serve as mediator to that dispute, unless all parties are informed and give their written consent. 4. Mediation Fees: Mediation fees will be divided equally among the parties and will be paid ht�far the mediation conference. The parties wilt follow the payment terms contained in the mediator's fee schedule. 5. Time and Place of Mediation Conference: Within ten days of being appointed to the dispute,the mediator will contact the parties and set the date,time and place of the mediation conference.The mediator must give at least twenty days'advance notice to all parties.The medi- ation conference should not be more than sixty days from the mediator's appointment to the dispute. 6. Conduct of Mediation Conference: The parties attending the mediation conference will be expected to: a. Have the authority to enter into and sign a binding settlement to the dispute. b. Produce all information required for the mediator to understand the issues of the dispute. The information may include relevant written materials,descriptions of witnesses and the content of their testimony.The mediator can require the parties to deliver writ- ten materials and information before the date of the mediation conference. The mediator presiding over the conference: a. Will impartially conduct an orderly settlement negotiation. b. Will help the parties define the matters in dispute and reach a mutually agreeable solution. c. Will have no authority to render an opinion, to bind the parties to his or her decision, or to force the parties to reach a settlement. Formal rules of evidence will not apply to the mediation conference. 7. Representation by Counsel: Any party who intends to be accompanied to the mediation conference by legal counsel will notify the medi. ator and the other parties of the intent at least ten days before the conference. 8. Confidentiality: No aspect of the mediation can be relied upon or introduced as evidence in any arbitration,judicial or other proceeding. This includes,but is not limited to, any opinions or suggestions made by any party regarding a possible settlement; any admissions made during the course of the mediation;any proposals or opinions expressed by the mediator;and any responses given by any party to opinions, suggestions,or proposals. No privilege will be affected by disclosures made in the course of the mediation. Transcripts or recordings of the mediation will not be allowed without the prior,written consent of all parties and the mediator. Records,reports,and other documents received or prepared by the mediator or Administrator cannot be compelled by an arbitration,judi- cial, or other proceeding,with the exception of an,agreement that was reached in the course of mediation and signed by all the parties. Neither the mediator nor the Administrator can be compelled to testify in any proceeding regarding information given or representations made either in the course of the mediation or in any confidential communication. 9, Mediated Settlement: When a dispute is resolved through mediation,the mediator will put the complete agreement in writing and all par- ties will sign the written agreement within ten days of the conclusion of the mediation conference.Every reasonable effort will be made to sign the written agreement at the end of the conference. 10. Judicial Proceedings and Immunity: NEITHER THE ADMINISTRATOR,THE MEDIATOR,THE NATIONAL ASSOCIATION OF REALTORS9, THE PENNSYLVANIA ASSOCIATION OF REALTORS,NOR ANY OF ITS MEMBER BOARDS,WILL BE DEEMED NECESSARY OR INDISPENSABLE PARTIES IN ANY JUDICIAL PROCEEDINGS RELATING TO MEDIATION UNDER THESE RULES AND PROCEDURES,NOR WILL ANY OF THEM SERVING UNDER THESE PROCEDURES BE LIABLE TO ANY PARTY FOR ANY ACT, ERROR OR OMISSION IN CONNECTION WITH ANY SERVICE OR THE OPERATION OF THE HOME SEM.r.RS/HOMP BUYERS DIIISP—IJTr RR�usol,u 10N SYSTEM. Buyer Initials: oa,a1,13 I ASR Notices Page 7 of 8 Seller Inirisls:�J� Dawmenlu NT electronically, e9aiy emein9 Yleeera slawle.YUa rope.ww,.cn row r..n..�,;:.RNo:ices Page Fb.+.,v;, NOTICES REGARDING THE REAL ESTATE SELLER DISCLOSURE LAW (Page 11: Signature Page) The Real Estate Seller Disclosure Law requires that before an agreement of sale is signed, the Seller in a residential real estate transfer must make certain disclosures regarding the property to potential Buyers in a fort defined by the law.A residential real estate transfer is defined as a sale,exchange, installment sales contract,lease with an option to buy,grant or other transfer of an interest in real property where NOT LESS THAN ONE AND NOT MORE THAN FOUR RESIDENTIAL DWELLING UNITS are involved. The Law defines a number of exceptions where the disclosures do not have to be made: I. Transfers that are the result of a court order. 2. Transfers to a mortgage lender that result from a Buyer's default and subsequent foreclosure sales that result from default. 3. Transfers from a co-owner to one or more other co-owners. 4. Transfers made to a spouse or direct descendant. S. Transfers between spouses that result from divorce,legal separation or property settlement. 6. Transfers by a corporation,partnership or other association to its shareholders,partners or other equity owners as part of a plan of liquidation. 7. Transfer of a property to be demolished or converted to non-residential use. S. Transfer of unimproved real property. 9. Transfers by a fiduciary during the administration of a decedent estate,guardianship,conservatorship or trust. 0: Transfers of new construction that has never been occupied when: a. The Buyer has received a one-year warranty covering the construction; b. The building has been inspected for compliance with the applicable building code or,if none,a nationally recognized model build- - ing code;and c. A certificate of occupancy or a certificate of code compliance has been issued for the dwelling. In addition to these exceptions,disclosures for condominiums and cooperatives are limited to the Seller's particular unit(s).Disclosures regard- ing common areas or facilities are not required, as those elements are already addressed in the laws that govern the resale of condominium and cooperative interests. - Buyer Initials: ,,n i ASR Nutices Page 8 of 8 Scller Initials:./= porumentegnea ebdmnicelly;leaelly UnmOR by W.Nd eleWte.Vail l 1, awn aullwo com j1yfrad¢01mn10:-41Yb!'iG-0-tilt r^'ii'll 4K OMB Approval No.2502-0265 A. Settlement Statement (HUD-1) n�= B. Type of Loan 1.Q FHA 2.E]RHS 3.QX Conv Unins. 6. File Number: 7. Loan Number: 8, Mortgage Insurance Case Number: 4.❑VA 5.❑Conv Ins. P13-221 ]]03406225 C. Note: This form he furnished to give you a statement of adual settlement costs Amounts paid to end by the settlement agent are shown. Items marked-fp.o.c)"were paid outside the dosing,they are shown here for informational purposes and are not included in the totals D. Name and Address of Borrower: E. Name and Address of Seller: F. Name and Address of Lender' Carol Grimes Barbara Barry,Executrix MORTGAGE NETWORK,INC. 513 Mendham Way 417 Allegheny Drive 300 ROSEWOOD DRIVE Salem,VA 24153 Mechanicsburg,PA 17055 DANVERS,MA 01923 G. Property Location: H. Settlement Agent. I. Sedlement Date. 417 Allegheny Drive PURITYABSTRACT COMPANY Mechanicsburg,PA 17055 3329 MARKET STREET August 30.2013 Cumberland County,Pennsylvania CAMP HILL PA 17011 Ph. (71])73]-8359 Place of Settlement. _ Century 21 Realty Services 3315 Market St,Camp Hill,PA J. Summary of Borrower's transaction K. Summary of Seller's transaction 100 Gross Amount Due from Borrower 400. Grass Amount Due to Seller: 101. Contract sales prim 132,000.00 401. Contract sales prim 132,00000 102. Personal property 402. Personal property 103. Settlement Charges to Borrower'Line 1400 5,699.80 403. 104. 404, 105, 405. Adjustments for items paid b Seller in advance Atlustments for items paid b Seller in advance 106. COUNTY/TOWNSHIP 08130/13 to 01101/14 262.19 406. COUNTY/TOWNSHIP 08/30113 to 01101114 . 26219 107. CITY TAX [0 407. CITY TAX to 108 SCHOOLTAX 08/30113 to 07/01114 1,596.15 408. SCHOOLTAX 08130113 to 07/01114 1,696.15 109. 409. 110 410. 111. 411. 112. 412, 120. Gross Amount Due from Borrower 139,658.14 420. Gross Amount Due to Seller 133.958 34 200. Amounts Paid by or in Behalf of Borrower 500. Reductions in Amount Due Seller: 201. Deposit or earnest money 3,000.00 501. Excess deposit see instructions 202. Prind al amount of new bans 62.000.00 502. Settlement charges to Seller Line 1400 11,674.86 203 Existin loans taken sub ed to 503. Existing bans taken auto ect to 204 APPLICATION FEE 400.00 JM*ustments PayoHFlrsl Mortgage 205 Pa off Secend Mort a e 206.2D] De wrid'sb.as romeds 208.209.Adiustments for items un aidb Seller forilems un aidb Seller 210. COUNTY/TOWNSHIP to COUNTYTTOWNSHIP to 211. CITY TAX to CITY TAX to 212. SCHOOL TAX to SCHOOLTAX to 213. 214 514. 215. 515 216. 516. 217. 517. 218. 518. 219. 519. 220. Total Paid by/for Borrower 65.400.00 520. Total Reduction Amount Due Seller 11,674.86 300. Cash at Settlement fromlto Borrower 600. Cash at settlement tolfrom Seller 301. Gross amount due from Borrower line 120 139,658.14 601. Gross amount due tg Seller line 420 133,958.34 302. Less amount paid by/for Borrower(line 220) ( 65,400.00) 602. Less redudbns due Seller(line 520) ( 11,6]4.86 303. Cash X❑From E] To Borrower ]4,258.14 603. Cash ❑X To From Seller 122,28348 'Paowsi0eatlmirgty ou-ros .s9las).imeal ITl The undersigned herob a wledge cei I mplated copy of this statement 8 any attachments referred to herein Borrower Seller Barbara Barry,Executrix Carol rimes - �� 8r' Tre PWis Rewrnm pJ.la IM1S cde%lM direnrinm Is m0m.rd-Mmi--vi resroce ra wledy.rm,-N V i yltris 6I'd Trizd y mTy re WiM ko Ir6inn Ul au yw ae M neurin to C Iiko Ns rvm,Wmsit Esp'rys a cvr y 141 nMBr'mlra ram[a.No uvfi,krliyify,Is Esrey,Ris 6YIgVi,nm.,Th,is dS.QMb 1-le.vinntaa RESM-MLae%ATwMippm Srm Mrgllq SeWanaY Page 1 of 3 HUD-1 (GRIME5.41]PFD/P.13-2 2114 0) L.Settlement Charges 700.Total Real Estate Broker Fees $7,920.00 Paid From Paid From Drision ofmmmission(line 700)as folbws, Bomi Sellefs 701.S 7,920.00 to CENTURY 21 REALTY SERVICES Fend.at Ferris at 702.$ to CENTURY 21 REALTY SERVICES Seltlement Settlement 703.Commission pad at settlement 7,920,00 704, 705. DEED PREP 706.AOD'L COMMISSION to CENTURY 21 REALTY SERVICES 295.00 295.00 800.Items Payable in Connection with Loan 801.Our crigi nator charge $ 97400 from GFE#I) 802.Your acrid or charge(points)for the s edhc interest rate chosen $ from GFE#2 803.Your ad vsled origination charges from GFE#A 974.00 804 Appraisa l fee to from GFE#3) 805.Credit Report to BIRCHWOOD CREDIT SERVICES.INC. from GFE#3) - 60.00 806.Tax service to from GFE#3 807.Flood certilcatmi, to LIPS NATIONAL FLOOD from GFE#3 10.00 808.FNMALOI UPDATE to BIRCHWOOD CREDIT SERVICES INC. from GFE#3) 25.00 809.PROPERTY INSPECTIC to MORTGAGE NETWORK INC. from GFE#3) 75.00 810. from GFE#3 811. (from GFE 13) 900.Items Required by Lender to Be Paid in Advance 901.Daity interest charges from 08/30/13 to 09101113 2 @ $7.860000/da from GFE 410 1572 902.Mortgage insurance premium for months to (from GFE#3) 903.Homeowner sinaerance for 1.0yearsto METLIFE (from GFE#11) 535.00 904. (from GFE#11) 905 (from GFE#11) 1000.Reserves Deposited with Lender 1001.Initial deposit for your escrow account (from GFE 119) 813.12 1002.Homeowner's insurance 3,000 months @ $ 44,58 per month $ 133.74 1003. Mort a a insurance months @ S per month S 1004. Pro a taxes $ COUNTY TAX months Q $ per month CITY TAX months @ $ per month SCHOOLTAX months @ 5 per month 1005. $ COUNTY/TOWNSHIP months $ per month SCHOOL TAX months per month 1006. months @ $ per month $ 1007. COUNTY/TOWNSHIPTAXES 7.000 months @ $ 57.30 per month $ 401.10 1008. SCHOOL TAXES 3.000 months @ $ 169.15 Per month $ 50]45 1009. AGGREGATE ADJUSTMENT S -229.17 1100.Title Charges 1101. Tdle services and lender's idle insurance (from GFE U) 1,013.00 1102. Settlement or dosing fee $ 1101 Owner's title insurance to FIRST AMERICAN TITLE INS.CO. (from GFE#5) SALE 369,00 1104. Lender's tdleinsurance to FIRST AMERICAN TITLE INS.CO. $ 84100 SALE 1105. Lender's title polity limit S 62,000.00 1106 Owner's IHIe policy limit $ 132,00000 1107. Agent's portion of the total title insurance premium to PURITYABSTRACT COMPANY $ 1.028.50 1108. UndenrtAer's portion of the total title insurance premium to FIRST AMERICAN TITLE INS.CO. $ 181.50 1109. Notary Fee to Notary Clerk $ 10.00 1110. Payoff outgoing wire fee to PURITY ABSTRACT COMPANY $ 1200 1111. TAX CERT FEE to PURITYABSTRACT COMPANY $ 15.00 11112. $ 11113. $ 1200.Government Recording and Transfer Charges 1201.Government recording charges to RECORDER OF DEEDS from GFE# 156.00 1202.Deed $ 67.00 Mortgage $ 89.00 Releases $ Other 5 1203.Transfer lines to RECORDER OF DEEDS (from GFE#8) 1,320.00 1204.0 /COW t.'Istarrips S 1,320.00 $ 1,320.00 1205.State tax(stams $ 1,320.00 5 1206. 1207. 1300.Additional Settlement Charges 1301.Required services that you can shop for (from GFE#6) 1302. $ 1303. 3RD QUARTER SEWER to UPPER ALLEN TOWNSHIP $ 38.96 73.04 1304 2013 SCHOOL TAXES to DENNIS ZERBE.TREASURER $ 2,029.82 1305, ATTORNEY FEES BGGAR LAW OFFICE $ POC 1400.Total Settlement Charges(enter on lines 103,Section J and 502,Section K) 5,699.80 1 11,674.86 •Wise msad dr.�reM mrwarlsl.sdinlal.ierm(4 u p,rawryR) �4i� ' By signgpap 1 dins srAemT,IbaeN.ulo aFnwlMJx runPma[nnd�aq d{ap3a]dD•s Wm PAS erueneH PURITYA A COMPANY$Settlement Agent Certified to be a true copy. Page 2 of 3 HUD-1 (GRIMES 417.PFD/P13-221/40) Comparison of Good Faith Estimate(GFE)and HUD-1 Charges Good Faith Estimate HUD-1 Charges That Cannot Increase HUD-1 Line Number - Our origination charge IN 801 - 974.00 97400 Your adjusted origination charges # 803 974.00 974.00 Transfer taxes #1203 1,320,00 1,320.00 Charges That in Total Cannot Increase More than 10% Good Faith Estimate HUO-1 Government recording charges #1201 150.00 156.00 Appraisal fee # 804 400.00 Credit report # 805 77.50 60.00 Flootl certification # 807 21.50 10.00 FNMA LGI UPDATE # 808 25.00 PROPERTY INSPECTION WAIVER # 809 75.00 TItIe servoes and lender's title insurance #1101 1,470.00 1,013.00 Cwner's title insurance to FIRST AMERICAN TITLE INS CO #1103 395.00 369.00 Total 2.514.00 1,708.00 Increase between GFE and HUD-1 Cbarges $ -806.00 or -32 06 Charges That Can Change I Good Faith Estimate HUD-1 Initial deposit for your escrow account #1001 3.025.05 813.12 Daily interest charges # 901 $ 7.860000/day 1572 1572 Homeowner's insurance If 903 500.00 535.00 Loan Terms Your initial loan amount is $62,000.00 Your loan term is _ 30.00 years Your initial interest rate is 4.6250% Your initial monthly amount owed for principal,interest and $31877 includes any mortgage insurance Is ❑ Principal ❑K Interest ❑ Mortgage insurance Can your interest rate rise? ❑K No ❑ Yes,it can rise to a maximum of %. The first change will be on and can change again every_months after . Every change date,your interest rate ran increase or decease by %. Over the Ida of the ban,your interest rate is guaranteed to never be lower than %or higher than %, Even if you make payments on time,con your loan balance rise? ❑% No ❑ Yes,It can rise to a maximum of$ Even If you make payments on time,can your monthly ❑X No ❑ Yes,the first increase ran be on and the monthly amount owed for principal,interest,and mortgage insurance Has? amount owed ran rise to$ - The maximum it ran ever rise to is$ Does your loan have a prepayment penalty? ❑X No ❑ Yes,your maximum prepayment penalty a$ Does your loan have a balloon payment? ❑X No ❑ Yes,you have a tendon payment of$ due in_years on Total monthly amount owed including escrow account payments ❑ You do not have a monthly escrow payment for Items,such as property taxes and homeowner's insurance. You must pay these Items directly yourceN ❑X You have an additional monthly escrow payment of$271.03 that results in a total initial monthly amount owed of$589.80. This includes principal,interest,any mortgage insurance and any Items clocked below. ❑ Pmpertytaxes ❑X Homeowner's insurance ❑ Flood insurance ❑ Note'. If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender. Page 3 of 3 HUD-1 (GR I MES.417.PFD/P.13-221140) HUD-1 Attachment Borroweds):Carol Grimes Selle(s): Barbara Barry, Executrix 513 Mendham Way 417 Allegheny Drive Salem,VA 24153 Mechanicsburg, PA 17055 Lender:MORTGAGE NETWORK, INC. Settlement Agent:PURITY ABSTRACT COMPANY (717)737-8359 Place of Settlement:Century 21 Realty Services 3315 Market St, Camp Hill, PA Settlement Date:August 30, 2013 Property Location:417 Allegheny Drive Mechanicsburg, PA 17055 Cumberland County, Pennsylvania Adjusted Origination Charge Details Origination Charge ORIGINATION CHARGE 974.00 to MORTGAGE NETWORK, INC. Total $ 974.00 Origination Credit/Charge(points)for the specific interest rate chosen Total $ Adjusted Origination Charges $ 974.00 Reserves Deposited with Lender Homeowner's Insurance 13174 3 000 at 44.58 per month COUNTY/TOWNSHIP TAXES 401.10 7.000 at 57.30 per month SCHOOLTAXES 507.45 3.000 at 169.15 per month AGGREGATE ADJUSTMENT -229.17 Total $ 813.12 Title Services and Lender's Title Insurance Details BORROWER SELLER CPI-Fee 75.00 to FIRST AMERICAN TITLE INSURANCE CO. Email Document Retrieval 50.00 to PURITY ABSTRACT COMPANY Notary Fee 30.00 to Notary Clerk Overnight Fee/Package _ 17.00 to PURITY ABSTRACT COMPANY Lender's title insurance SALE 841.00 to FIRST AMERICAN TITLE INS. CO. Total $ 1,013.00 $ 0.00 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. (GRIMES 41]PFOIP 13-221140) HUD-1 Attachment - Continued Owner's Title Insurance BORROWER SELLER Owner's Policy Premium 369.00 to FIRST AMERICAN TITLE INS. CO. Total $ 369.00 $ 0.00 Lender's Title Insurance BORROWER SELLER -fees also shown above in Title services and Lenders Title Insurance Details Lender's Policy Premium 691.00 to FIRST AMERICAN TITLE INS.CO. Lender's Endorsement Charges 150.00 Endorsement Endorsement Charge END 100 50.00 END 300 50.00 ALTA Endorsement Form 8.1 (Environmental Protection 50.00 Lien) Total $ 841.00 $ 0.00 WARNING: It is a crime to knowingly make false statements to the United States on this orany similar forth. penalties upon conviction can include.fine and imprisonment. For details see: Title 18 U.S.Code Section 1001 and Section 1010. (GRIMES 417P F D R 13-2 21/40) Tax Parcel No. 42-28-2421-221 THIS INDENTURE, MADE THE J day of .11_�� two thousand thirteen (2013) BETWEEN BARBARA E. BARRY, Executrix of the Last Will and Testament of Ellen J. Martin, late of Upper Allen Township, Cumberland County, Pennsylvania, party of the first part, and CAROL GRIMES, a single woman, of Salem, Roanoke County, Virginia, party of the second part: WHEREAS, the said Ellen J. Martin, by her Last Will and Testament, duly proved and recorded in the Cumberland County Register of Wills Office, Pennsylvania, in Docket Number 21- 13-284 , Letters Testamentary being issued on March 8, 2013 , provided, in pertinent part, as follows : FOURTH: I nominate, constitute and appoint my said husband, FREDERIC E. MARTIN, as Executor of this my Last Will and Testament, and in the event he is not living, renounces, or fails to qualify, or for any reason is unable to serve and complete his duties, I nominate, constitute and appoint my daughter, BARBARA E. BARRY, as Executrix hereof, hereby giving and granting unto my said Executor/Executrix, to the extent that the same may for any purpose be required, full and complete power of sale of both real and personal property, and I do further order and direct that my said Executor/Executrix shall not be required to enter bond or other security in this or in any other jurisdiction for the faithful performance of duty. NOW THIS INDENTURE WITNESSETH, that the said party of the first part, by virtue of the power and authority aforesaid, in said Will contained, and in consideration of the sum of One Hundred Thirty-Two Thousand Dollars ($132, 000 . 00) to her paid by the said party of the second part, at and before the ensealing and delivery of these presents, the receipt whereof is hereby acknowledged, has granted, bargained, sold and conveyed, and does hereby grant, bargain, sell and convey to the said party of the second part, her heirs and assigns forever : ALL THAT CERTAIN tract or parcel of land, located in Upper Allen Township, County of Cumberland, Commonwealth of Pennsylvania, more particularly bounded and described according to survey of D. P. Raffensperger, dated October 29, 1964 , as follows, to wit : BEGINNING at a point at the Northeast corner of the intersection of Kim Acres Drive and Allegheny Drive; thence Northwardly along the Eastern line of Allegheny Drive ninety-five (95) feet to a point; thence continuing along same Northwardly being an arc or curve to the right having a radius of two hundred ninety-nine and sixty-one one-hundredths (299. 61) feet eighty-one and three one- hundredths (81. 03) feet to a point; thence South eighty-seven degrees thirty-six minutes East, (S. 870 36 ' E. ) , fifty-seven and twenty-five one-hundredths (57 . 25) feet t a point; thence North seventy-two degrees fifty-one minutes East (N. 720 51 ' E. ) , thirty-seven and five one-hundredths (37 . 05) feet to a point; thence South three degrees fifty-four minutes East (S. 30 54 ' E. ) , one hundred seventy-five (175) feet to a point on the Northern line of Kim Acres Drive;. thence westwardly along same, one hundred (100) feet to a point, the place of BEGINNING. BEING part of Lot 66, Section "E" , on Plan of Mt . Allen Heights, said Plan recorded in Plan Book 14 , page 2, Cumberland County records . HAVING THEREON ERECTED a one story brick and frame dwelling house known .and numbered as 417 Allegheny Drive, Mechanicsburg, Pennsylvania. UNDER AND SUBJECT to all applicable restrictions , reservations, easements and rights of way of record. BEING the same premises which Norman Smith and Fern A. Smith, his wife, by deed dated October 15, 1987 and recorded October 16, 1987 in the Cumberland County Recorder of Deeds Office in Deed Book Z, Volume 32 , Page 652 , granted and conveyed unto Frederic E. Martin and Ellen J. Martin, his wife. The said Frederic E. Martin died August 16 , 1998 , whereupon full and complete title to the within described property became vested solely in Ellen J. Martin, 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 remainders, rents, issues and profits thereof, and all the estate, right, title, interest, property, claim and demand whatsoever of the said Ellen J. Martin, at and immediately before the time of her decease, in law or equity or otherwise howsoever, of, in, to or out of the same : To HAVE AND TO HOLD the said granted premises to the said party of the second part, her 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, her 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, charge or estate, or otherwise howsoever. IN WITNESS WHEREOF, the said party of the first part has hereunto set her hand and seal the day and year above written. Signed, Sealed and Delivered in the Presence of BARBARA E. BARRY, Executrix COMMONWEALTH OF PENNSYLVANIA SS . COUNTY OF CUMBERLAND On this, the3'day of 2013 , before me, the undersigned officer, personally appeared BARBARA E. BARRY, Executrix, known to me (or satisfactorily proven) to be the person described in the foregoing instrument, and acknowledged that she executed the same in the capacity therein stated and for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal . COMMONWEALTH OF PENNSYLVANIA Notarial Seal Nota Publi Connie].Zlgman,Notary P;b'l C Came HIII Boro,Cumberland 2015 My Commi 5 s io i s :My Comrng Expires Nov 1 Awes MEMBER,PENt15Y}VANM - - CERTIFICATE OF RESIDENCE I do hereby certify that the precise residence and complete post office address of the within named grantee is q17 141le,5keny Qr,'ve L 2013 i/tek,*11,c ccrq 414 Agent for Grantee Rev-1503 EX+(6-98) SCHEDULE B STOCKS & BONDS COMMONWEALTHOF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENTDECEDENT ESTATE OF FILE NUMBER Martin, Ellen J. 21-13-0284 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM CUSIP - VALUE AT DATE NUMBER NUMBER DESCRIPTION UNIT VALUE OF DEATH 1 30 shares of MetLife Stock 35.27 1,058.10 2 PNC Investments-Blackrock US Government Bond Inv A 10.86 6,423.81 TOTAL(Also enter on Line 2. Recapitulation) 7,481.91 (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 B(Rev.6-98) Page 1 of 2 New Umr?Regular Sign In Help Preview Mall W Yl Toolbar Mail My YI Yahool Search Search Web HOME INVESTING NEWS PERSONAL FINANCE MY PORTFOLIOS EXCLUSIVES Get Quotes Finance Search- - - - —---- Man,May 20,2013 3:20pm EDT-US Markets dose to 40 mns t I Dow♦0.06%Nasdaq 40.02/. - I`ndict MET®I ! I MET IS UP lbed Fide/lLy amcre OJ �.•--,Trade Now • • . Meti-ife,Inc.(MET)-NYSE '{' Add to Portfolio 43.30 It d.02(0.05a�a) 3:20PM EDT-Nasdaq Reel Time Price Historical Prices Get Historical Faces for: r Set Date Range Daily i Sort Dine: Feb ,7 '27 x.2013 Eg.Jan 1,2010 ID Yyeekh, End WW: Feb , ,27— 2013 15 Monthly a Dividends Only - Gei First I Previous I Next I Last 7Ji;:L Prices Date Open High Low - 'Close Volume Adj Cl me* Feb 27,2013 - 34.85 35.73 34.81' - - 35.70 7,057,800 35.46 . •Close price adjusted for dividends sea split. First I Previous I Nerd I Last h1Download to Spreadsheet -- - Currency in USD.- - - - 30.00 Shares X 35.27 Median Price $1,058.10 Date of Death Value. • • Ad Topics That Might Interest You... 1.Buy MET Stock S.Stocks to Buy Now 2.MET Stock History 6.Top 10 Stocks 3.MET Stock Report 7.High-Dividend ETFs T^' 4.High Dividend Stocks 8.List of Penny Stocks ads M/want hrip://finance.yahoo.com/q/hp?a=01&b=27&c=2013&d=01&e=27& 2013&g=d&s=ME... 5/20/2013 4 . � � �� I .. i II I I �I I ,' 1 Page 1 of 2 New UseO Register Sign In Help PraNOw MAII W Yl Toolbar Meal My Y! Yelhoo! Search Search Wob HOME INVESTING NEWS PERSONAL FINANCE MY PORTFOLIOS E%CLUSIVES Get Quotes Finance Search Mon,May 20,2013.3 12prn EDT-US Markets dose in 48 mina Dow 40.05%Nasdaq 40.0`3% NND� TIy Visit Our �AneAbsde I Eil�� SMART r 1 A4erhra!Ann[ r ,;} FideG y Ccntcr �i•1iI-rSGTntAy � b BlackRock US Government Bond Inv A(CIGAX) Add to Portfolio I 10.8440.03(0.28%) May17 Historical Prices GM Historical Pd...for. �GO, Set Date Range _ N�Daily Fidelity Ste"Datc:LebE] 27 2013 Eq.Jan 1,2010 C Weekly End Date: Feb - 27 2013 13 Mordhly Freedom a Dividends Only I Fun Get Prices ds' First I Previous I Next I Last Professionally Prices 1 managed Data open High Law close Vdm I all-in-one ue Adj Close* retirement Feb 27,2013 10.86 10.86 10.66 10.86 0 10.81 •Close Price adjusted for divie.nda aivl sons. option. First I Previous I Nett I Last /}iDownloatl to Spreadsheet Currency in uso. 591.511 Shares X 10.86 Median Price r_ $6,423.81 Date of Death Value ' Turn here- Aft Fide/ity. �hti.Pai.tb.>.e raar�vma'1cr,m.a,,,�. Ad Topics That Might Interest You... 1.Cl Stock Predictions S.Top 10 Stocks 2.Buy Cigna Stocks M1 6.High-Dividend ETFs 3.High Dividend Stocks 7.List of Penny Stocks 4.Stocks to Buy Now 8.6 Places to Retire _. ads by Yahoo' http://finance.yahoo.com/q/hp?s=CIGAX&a=01&b=27&c=2013&d=01&e=27& 2013&... 5/20/2013 PNC INVESTMENTS, LLC National Financial Services LLC 1900 EAST NINTH STREET B7-YB 13-16-1 CLEVELAND, OH 44114 6310003465 April 09, 2013 ELLEN J MARTIN 417 ALLEGHENEY DR MECHANICSBURG PA 17055 Transaction Confirmation Brokerage Account Number: XXX-XX2002 National Financial Services LLC (NFS) is writing to confirm a recent transaction(s) from your . = brokerage account. NFS provides clearing and other related services on behalf of PNC INVESTMENTS, LLC. On 04/09/13 the following funds/shares were removed and deposited in the account(s) listed below. Funds/Shares Symbol/Cusip To Account Number Disposal Method 591.51100 CIGAX XXXXXX0421 FIFO If you did not authorize this transaction, please contact us directly at 617-392-8284. Please review this information carefully. If you have any general questions or believe that this transaction was processed in error, contact PNC INVESTMENTS, LLC at 800-622-7086. National Financial Services LLC, Member NYSE, SIPC ennoe� n eri o�nnieenn�nne nn�nnl I1� Don. 1 of 1 R31(10034F5 Rev-1505 EX+(11-10) SCHEDULE E pennsylvania CASH, BANK DEPOSITS, & MISC. DEPARTMENT OF REVENUE INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT - ESTATE OF FILE NUMBER Martin, Ellen J. 21-13-0284 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 VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 PNC Bank-Savings Account No. 5080063783. Date of death balance$155.09;accrued 155.10 interest$0.01. 2 Personal Property-sold at private sale 1,500.00 3 Washer and Dryer-sold at private sale 350.00 4 Comcast-Refund 5.37 5 US Treasury-2012 Personal Income Tax Refund 358.57 TOTAL(Also enter on Line 5, Recapitulation) 2,369.04 (If more space is needed,additional pages of the same size) Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule E(Rev. 11-10) PNU April 22. 2013 Barbara Barry 536 Ichabod Ct Mechanicsburg PA 17050 RE: Ellen 7 Martin SSN: 142-24-4627 DOD: 02/27/2013 Dear Sir/Madam: In response to your request for Date of Death(DOD) balances for the customer noted above, our records show the followine: Checking Account Account# 5003115447 Established: 01/17/2007 ELLEN MARTIN BARBARA BARRY DOD balance: $ 3,370.56+0.02 accrued interest Savings Account Account# 5080063783 Established: 01/05/1994 ELLEN MARTIN DOD balance: $ 155.09+0.01 accrued interest . Please note that this office provides date of death balances for deposit accounts(IRAs, CDs,Checking and Savings). We do not process any financial transactions or provide statements. If you need assistance with any of these items,please call 1-888-PNC-BANK(1-888-762-2265)or stop by your local PNC Bank branch office. Sincerely, National Financial Services Center PNC Bank,N.A. Member FDIC Parta 7 n}7 Rev-1509 EX+(01-10) pennsylvania SCHEDULE F DEPARTMENT OF REVENUE JOINTLY-OWNED PROPERTY INHERITANCE TAX RETURN _ RESIDENT DECEDENT ESTATE OF FILE NUMBER Martin Ellen J. 21-13-0284 Han asset was made joint within one yearot the decedent's date of death,it must be reported on schedule G. SURVIVING JOINT TENANTS)NAME _ ADDRESS RELATIONSHIP TO DECEDENT A. Barbara E. Barry 538 Ichabod Court Daughter Mechanicsburg, PA 17050 B. C. JOINTLY OWNED PROPERTY: DESCRIPTION OF PROPERTY DATE OF DEATH ITEM LETTER DATE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT %OF FOR JOIN MADE NUMBER OR SIMILAR IDENTIFYING NUMBER.ATTACH DEED FOR DATE OF DEATH DECD'S DECEDENT'S INTEREST NUMBER TENANT JOINT JOINTLY-HELD REAL ESTATE. VALUE OF ASS E INTEREST 1 A 01117/2007 PING Bank-Checking Account No. 3,370.58 50.000% 1,685.29 500315227. Date of death balance$3,370.56; accrued interest$0.02. TOTAL(Also enter on Line 6, Recapitulation) 1,685.29 (it more space is needed,additional pages of the same size) Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule F(Rev.0 1.10) PIN C April 22. 201 Barbara Barry 536 Ichabod Ct Mechanicsburg PA 17050 RE: EIlen J Martin SSN: 142-24-4627 DOD: 02/27/2013 Dear Sir/Madam: In response to your request for Date of Death (DOD)balances for the customer noted above, our records show the followinz: Checking Account Account# 5003115447 Established: 01/17/2007 ELLEN MARTIN BARBARA BARRY DOD balance: $ 3,370.56+ 0.02 accrued interest Savings Account Account# 5080063783 Established: 01/05/1994 ELLEN MARTIN DOD balance: $ 155.09+0.01 accrued interest Please note that this office provides date of death balances for deposit accounts(IRAs, CDs, Checking and Savings). We do not process any financial transactions or provide statements. If you need assistance with any of these items,please call 1-888-PNC-BANK(1-888-762-2265)or stop by your local PNC Bank branch office. — Sincerely, National Financial Services Center PNC Bank,N.A. Member FDIC Parta t of 7 Revd Std fJ(+{68Aai SCHEDULE G pennsylvania INTER-VIVOS TRANSFERS AND DEPARTMENT OF REVENUE INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Martin, Ellen J. 21-13-0284 This sdu+cute must be Completed and filed If the answ to my of questions t Rough 4 on pave ttvea of',he REV-;500 is yes. ITEM DESCRIPTION OF PROPERTY DATE OF DEATH % DEWS EXCLUSION TAXABLE NUMBER THE DATE OF TRANSFER. ATTCH A COPY F THE DEIED FOR REAL ESTATE.E. VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE 1 Allstate Annuity-Contract No.GA0538021. Barbara 38,029.39 38,029.39 E. Barry and Kurt F.Martin are the named beneficiaries of this account. TOTAL(Also enter on Line 7, Recapitulation) 38,029.39 (if more space is needed,additional pages of the same size) Copyright(c)2009 form software only The Lackner Group,Inc. Form PA-1500 Schedule G(Rev.08-09) Allstate. You're in good hands. April 12, 2013 Barbara E. Barry 536 Ichabod Ct. Mechanicsburg, PA 17050 Re: Ellen J. Martin Contract No: GA0538021 Dear Ms. Barry: We received a request to complete IRS Form 712 for the above referenced contract. The purpose of Form 712 is to provide an estate or donor with the value of a life insurance contract or its proceeds as of a certain date (usually the owner's date of death or date of transfer of the contract). Because this contract is an annuity, it is not reportable on IRS Form 712. 1 can, however, provide the following information for estate purposes: Date of Death: February 27, 2013 Annuity Value as of Date of Death: $38,029.39' Cost Basis: $24,851.70 Named Beneficiary: Barbara E. Barry& Kurt F. Martin 'The actual amount paid may differ due to Market Value Adjustments and/or any applicable Surrender Charges. If you have any questions, please contact me at 1-877-499-6418 Ext.22679. Sincerely, Cory Connor Sr. Claims Examiner Allstate Life Insurance Company Life and Annuity Claims P.O. Box 94212, Palatine, IL 60094-4212 Phone 877-499-6418 Fax 866-635-4523 REV-1511 EX-(10-09) pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RESIDENT DECEDENT RETURN ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Martin, Ellen J. 21-13-0284 Decedent's debts must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER A. FUNERAL EXPENSES: See continuation schedule(s)attached 13,554.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Street Address City -State Zin Year(s)Commission Paid 2. Attorneys Fees Bogar& Hipp Law Offices 3,150.00 3. Family Exemption: (If decedent's address is not the same as claimant's,attach explanation) Claimant Street Address City State ZiD Relationship of Claimant to Decedent - 4. Probate Fees 398.50 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 22,572.36 See continuation schedule(s)attached TOTAL(Also enter on line 9, Recapitulation) - 39,674.86 Copyright(c)2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev. 10-09) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Martin, Ellen J. 21-13-0284 ITEM NUMBER DESCRIPTION AMOUNT Funeral Expenses 1 Myers-Harner Funeral Home-funeral bill 13,554.00 H-A 13,554A0 Other Administrative Costs 2 Adele Andrews Cleaning Service 70.00 3 Boones Property Management-trash hauling fee 103.05 4 Buchanon&Erb-oil bill 564.20 5 Carpet Mart 260.00 6 Carpet Mart 275.82 7 Century 21 Realty Service-realtor`s commission 7,920.00 8 Century 21 Realty Service-additional commission 295.00 9 Chase-final credit card bill 5.90 10 Community Life Team 62.00 11 Cumberland County Office of Aging 7.84 12 Dennis Zerbe,Tax Collector-school tax 2,029.82 13 Dennis Zerbe,Tax Collector-County/Township Taxes 771.76 14 Faircloth Plumbing-removal of washer and dryer 174.00 Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev.6-98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Martin, Ellen J. 21-13-0284 ITEM NUMBER DESCRIPTION AMOUNT 15 Lawnscapes 450.50 16 Lawnscapes 76.00 17 Lawnscapes 15240 18 Lawnscapes 152.40 19 Lawnscapes 193.00 20 Leggett,Inc.-part of fee to replace circuit breaker boxes inside and outside house 1,000.00 21 Leggett,Inc.-balance of fee to replace circuit breaker boxes inside and outside 825.00 22 Lowes-mailbox and gutter extension 78.57 23 McNelis Gutter Cleaning 75.00 24 Messiah Village-outstanding check as of date of death 2.327.15 25 Messiah Village 1,028.82 26 Messiah Village 518.52 27 PPL 44.26 28 PPL 44.46 29 PPL 37A7 30 PPL 37.64 31 PPL 39.15 Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6.98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Martin, Ellen J. 21-13-0284 ITEM NUMBER DESCRIPTION AMOUNT 32 PPL 48.00 33 PPL 50.80 34 Purity Abstract-Notary fee 10.00 35 Purity Abstract-wire fee 12.00 36 Purity Abstract-tax certification fee 15.00 37 Recorder of Deeds-Realty Transfer Tax 1,320.00 38 Register of Wills-Short Certificate 5.00 39 RESERVES:-Costs to conclude administration of Estate, including filing fees for PA 1,000.00 Inheritance Tax Return and Inventory,preparation and filing of Fiduciary Income Tax Returns 40 United Water 11.28 41 United Water 17.33 42 United Water 22.81 43 United Water 28.96 44 United Water 11.36 4$ - -Upper Allen Township-sewer bill 112.00 46 Upper Allen Township-3rd quarter sewer bill 73.04 47 Upper Allen Township-sewer bill 11100 Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev.6.98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Martin, Ellen J. 21-13-0284 ITEM NUMBER DESCRIPTION AMOUNT 48 Verizon -final bill 25.39 49 York Waste 39.03 50 York Waste 39.03 - - H-B7 22,572.36 Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98) REV4513 EX.(01-00) pennsylvania SCHEDULE J DEPARTMENT OF REVENUE p INHERITANCE TAX RETURN BENEFICIARIES RESIDENT DECEDENT ESTATE OF FILE NUMBER Martin, Ellen J. 21-13-0284 RELATIONSHIP TO NUMBER NAME AND ADDRESS OF DECEDENT SHARE OF ESTATE AMOUNT OF ESTATE Do Not Lit PERSON/S)RECEIVING PROPERTY ee s (Words) ($$$) TAXABLE DISTRIBUTIONS [include outright spousal distributions,and transfers under Sec.9116(a)(1.2)] Barbara E. Barry Daughter One-half of rest, 536 Ichabod Court residue and Mechanicsburg,PA 17050 remainder Kurt F.Martin Son One-half of rest, 59 St,Germain Street residue and Apt.6 remainder Boston, MA 02115 Total Enter dollar amounts for distributions shown above on lines 15 through 16 on Rev 1500 cover sheet,as appropriate. 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 COVER SHEE Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule J(Rev.01-10) LAST WILL AND TESTAMENT OF ELLEN J. MARTIN - rn �= � a i� IN THE NA14E OF GOD, AMEN;- N " I, ELLEN J. MARTIN, of the TownsHip of Penngat}ken, ._ ^J Camden County, New Jersey, being of sound and disposing mind, memory and understanding, do hereby make, publish and declare the following to be my Last Will and Testament, hereby revoking and making null and void any and all previous wills, writings testamentary or in the nature thereof by me at any time hereto- fore made, that is to say: FIRST: I order and direct that all of my just debts and funeral. expenses be paid and satisfied as soon as reasonably map be done following my decease. SECOND: All of the rest, residue and remainder of my estate, real, personal and mixed, of whatsoever nature and wheresoever situate, I give, devise and bequeath unto my beloved husband, FREDERIC E. MARTIN, absolutely and forever. THIRD: In the event my said husband, FREDERIC E. MARTIN, should predecease me, or in the further event that he an I should perish in what is usually termed a common disaster, or under any other circumstances wherein it would not be possible or practical to determine with certainty who shall have survived , the other, then and in either of suc" events, I give and bequest ) all of the rest, residue and remainder of my estate, real, personal and mixed, of whatsoever nature and wheresoever situate unto my daughter, BARBARA E. BARRY and my son, KURT F. MARTIN, in eTual portions, share and share alike. o+e vrW� - 1 - it I I Ii In the event my daughter, BARBARA E. BARRY shall not survive me, I give and bequeath her one-half share unto her children living at that t.lme. In the event my son, KURT F. MARTIN shall not survive me, I give and bequeath his one-half share unto his children livng at that time, if none, his one-half share I give and bequeath unto his sister, BARBARA E. BARRY. In the event my grandchildren shall be under the age of eighteen (18) years at the time of my death, I give and bequeath their respective share unto my Trustee hereinafter named, in trust nevertheless, for the term of their minority, to I keep, hold, invest and reinvest the same in such legal invest- ments of trust funds under the Laws of the State of New Jersey at the time when such investments are to be made, and after deducting all taxes, expenses and commissions, to use and apply so much of the income therefrom, and the principal thereof, as may in the absolute and sole discretion of my said Tr'istee be necessary for the support, education and maintenance of my said minor grandchildren, during the term of their minority. When and as my said grandchildren shall respectively attain the age of eighteen (16) years, my said Trustee shall thereupon pay over, transfer and deliver to my said grandchild the undistributed trust estate created for him or her here- under, together with all accumulations thereof, if any, _ absolutely discharged and freed of the trust hereinabove created. FOURTH: I nominate, constitute and appoint my said husband, FREDERIC E. MARTIN, as Executor of this my Last Will and Testament, and in the event he is not living, renounces, I, or fails to qualify, or for any reason is unay.le to serve and complete his duties, I nominate, constitute and appoi;it my daughter, BARBARA E. BARRY, as Executrix hereof, hereby giving I. - 2 - I � (I I �j i and granting unto my said Executor/Executrix, to the extent that the same may for any purpose be required, full and complete power of sale of both real and personal property, and I do further order and direct that my said Executor/Executrix shall not be required to enter bond or other security in this or in iany other jurisdiction for the faithful performance of duty. In the event a trust becomes,necessary, I hereby nominate, constitute and appoint my son-in-law, JOHN BARRY, as Trustee for my minor grandchildren, and direct that he shall have the same powers, provisions, obligations and duties here- inabove given to my Executor/Executrix, with equal force and effect to him, and he likewise shall not be required to furnish bond in the performance of his duties as Trustee. IN WITNESS WHEREOF, I have hereunto set my hand and seal this day of November A. D. 1984. ;I. (SEAL) Ellen J. Martin SIGNED, SEALED, PUBLISHED AND DECLARED BY ELLEN J. MARTIN, tae above named Testatrix, as and for her Last Will and Testament, in the presence of us, who at her request, in her presence and in the presence of each other have hereunto subscribed our names as witnesses thereof. ^TSnuFeV^•W,..,..o,,, - Third and Last Page - i ii i! I 4 it low 9 i p ro N I< b N n 4 , a i ,b y I � I J c3 .73 C7 C7 no I I W A • N 't o I w N z n y r ' I