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HomeMy WebLinkAbout05-6300'ilk IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ?I JOSEPH M. LAUBACH :NO.2005- tc36d VS. : CIVIL ACTION - LAW LISA A. LAUBACH : DIVORCE NOTICE TO DEFEND AND CLAIM RIGHTS YOU HAVE BEEN SUED IN COURT. If you wish to defend the claims set forth in the following pages, you must take prompt action. You are warned that if you fail to do so, the case may proceed without you and a decree of divorce or annulment may be entered against you by the Court. A judgment may also be entered against you for any other claim or relief requested in these papers by the plaintiff. You may lose money or property or other rights important to you, including custody or visitation of your children. When the ground for the divorce is indignities or irretrievable breakdown of the marriage, you may roWest marriage counseling. A list of marriage counselors is available in the Office of the Prothonotary at Cumberland County Courthouse One Courthouse Square Carlisle, PA 17013 IF YOU DO NOT FILE A CLAIM FOR ALIMONY, DIVISION OF PROPERTY, LAWYER'S FEES OR EXPENSES BEFORE A DIVORCE OR ANNULMENT IS GRANTED, YOU MAY LOSE THE RIGHT TO CLAIM ANY OF THEM. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 1-800-990-9108 AVISO PARA DEFENDER Y RECLAMAR DERECHOS LISTED HA SIDO DEMANDADO EN LA CORTE. Si desea defenderse de las quesjas expuestas en las pagmas siguientes, debe tomar accion con prontitud. Se le avisa que si no se defiende, el caso puede proceder sin usted y decreto de divorcio o anulamiento puede ser emitido en su contra por la Corte. Una decision puede tambien ser emitida en su contra por cualquier otra queja o compensacion reclamados por el demandante. Usted puede perder dinero, o propiedades u otros derechos importantes para usted. Cuando la base para el divorcio es indignidades o rompimiento irreparable del matrimonio, usted puede solicitar consejo matrimonial. Una lista de consejeros matrimoniales esta disponible en la oficina del Prothonotary, en la Cumberland County Courthouse, One Courhouse Square, Carlisle, PA 17013. SI USTED NO RELAMA PENSION ALIMENTICIA, PROPIEDAD MARITAL, HONORARIOS DE ABOGADO U OTROS GASTOS ANTES DE QUE EL DECRETO FINAL DE DIVORCIO O ANULAMIENTO SEA EMITIDO, USTED PUEDE PERDER EL DERECHO A RECLAMAR CUALQUIERA DE ELLOS. USTED DEBE LLEVAR ESTE PAPEL A UN ABOGADO DE INMEDIATO. SI NO TIENE O NO PUEDE PAGAR UN ABOGADO, VAYA O LLAME A LA OFICINA INDICADA ABAJO PARA AVERIGUAR DONDE PUEDE OBTENER ASIS'TENCIA LEGAL. Lawyer Referral Service Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17011 717-249-3166 1-800-990-9108 AMERICANS WITH DISABILITIES ACT OF 1990 The Court of Common Pleas of Cumberland County, Pennsylvania is required by law to comply with the Americans with Disabilities Act of 1990 For information about accessible facilities and reasonable accommodations available to disabled individuals having business before the court, please contact the District Court Administrator at (717) 240-6200. All arrangements must be made at least 72 hours prior to any hearing or business before the court. You must attend any scheduled conference or hearing. FOR THE COURT: Taryn N. Dixon District Court Administrator IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JOSEPH M. LAUBACH : NO.2005- (0 3 D(j l r l UcL V S. LISA A. LAUBACH CIVIL ACTION - LAW DIVORCE COMPLAINT UNDER SECTION 3301(c) OR 3301(d) OF THE DIVORCE CODE 1. The Plaintiff is Joseph M. Laubach, who resides at 1441 Hillcrest Ct., Apt. 203, Camp Hill, Cumberland County, PA 17011. 2. The Defendant is Lisa A. Laubach, who resides at 3920 Ridgeland Blvd., Mechanicsburg, Cumberland County, PA 17050. 3. The Plaintiff and Defendant have been bona fide residents of the Commonwealth of Pennsylvania for at least six months immediately previous to the filing of this Complaint. 4. The Plaintiff and Defendant were married on October, 4,1986 at Millville, Pennsylvania 5. The parties separated on September 4, 2005. 6. There have been no prior actions for divorce or annulment between parties. 7. The marriage is irretrievably broken. 8. The Plaintiff has been advised counseling is available and that the Plaintiff may have the right to request that the court require the parties to participate in counseling. 9. The Plaintiff requests the court to enter a decree in divorce. Respectfully submitted, MALONE & NEUBAUM By: Y, Victor A. Neubaum, Esquire 42 South Duke Street York, PA 17401 (717) 843-8001 S.I.D. No. 29159 Attorney for Plaintiff, Joseph M.Laubach VERIFICATION I verify that the statements made in this Complaint are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. §4904 relating to unworn falsifications to authorities. Date: jj Joseph M.Laubach -` {'J ? ?- ?? ? a ?? ? -? g-- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JOSEPH M. LAUBACH : NO. 2005-6300 Civil Term VS. : CIVIL ACTION - LAW LISA A. LAUBACH : DIVORCE ACCEPTANCE OF SERVICE I accept service of the Plaintiff's Complaint for No-Fault Divorce under Section 3301(c) or Section 3301(d) of the Divorce Code, filed by Plaintiff on December 8, 2005, as of the date indicated below. ldI IN Q$ Date DouglSs G. Miller, Esq. 60 West Pomfret Street Carlisle:, PA 17013 Attorney for Defendant, Lisa A. Laubach ,J. v JOSEPH M. LAUBACH, Plaintiff, V. LISA A. LAUBACH, Defendant. : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION -LAW 2005 - 6300 CIVIL TERM IN DIVORCE MOTION FOR APPOINTMENT OF MASTER LISA A. LAUBACH, Defendant, moves the court to appoint a master with respect to the following claims: a. Equitable distribution of the marital assets; b. Costs and expenses; and c. Counsel fees. and in support of the motion states: Discovery is complete as the claims(s) for which the appointment of a master is requested. 2. The Plaintiff, Joseph M. Laubach, has appeared in this action by his attorney, Victor A. Neubaum, Esquire. The Defendant, Lisa A. Laubach, has appeared in this action by her attorney, Douglas G. Miller, Esquire. 3. The statutory ground for divorce is No-Fault 3301(c) and 3301(d) 4. Delete the inapplicable paragraph(s): a. The action is contested. b. An agreement has been reached with respect to the following claims: Divorce C. The action is contested with respect to the following claims: Equitable distribution of the marital assets; Costs and expenses; and Counsel fees. 5. The action does not involve complex issues of law or fact. 6. The hearing is expected to take one-half (1/2) day. 7. Additional information, if any, relevant to be motion: None. Date: August 23, 2007 r? ? 'V, d4 j& Attorne or Defendant ORDER APPOINTING MASTER AND NOW , Esquire, is appointed Divorce Master with respect to the following claims: By the Court: J. f"7 r^.s x Y 4 i t? y _;. L ,1 ;"^ C-0 AUG $ s2nm,v? JOSEPH M. LAUBACH, Plaintiff, V. LISA A. LAUBACH, Defendant. : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION -LAW : 2005 - 6300 CIVIL TERM : IN DIVORCE MOTION FOR APPOINTMENT OF MASTER LISA A. LAUBACH, Defendant, moves the court to appoint a master with respect to the following claims: a. Equitable distribution of the marital assets; b. Costs and expenses; and c. Counsel fees. and in support of the motion states: 1. Discovery is complete as the claims(s) for which the appointment of a master is requested. 2. The Plaintiff, Joseph M. Laubach, has appeared in this action by his attorney, Victor A. Neubaum, Esquire. The Defendant, Lisa A. Laubach, has appeared in this action by her attorney, Douglas G. Miller, Esquire. The statutory ground for divorce is No-Fault 3301(c) and 3301(d) 4. Delete the inapplicable paragraph(s): a. The action is contested. b. An agreement has been reached with respect to the following claims: Divorce C. The action is contested with respect to the following claims: Equitable distribution of the marital assets; Costs and expenses; and Counsel fees. 5. The action does not involve complex issues of law or fact. 6. The hearing is expected to take one-half (1/z) day. 7. Additional information, if any, relevant to _we motion: None. Date: August 23, 2007 4? Attorne or Defendant ORDER APPOINTING MASTER AND NOW 4607 e.11bed L,iEcsquiir re, is appointed Divorce Master with respect to the following cl By the G J. 0? ? ? ? rY a t'%' -.., s'° G? ? ??_ R} ',C'i . t:i ?: ..,j ? ?7 ' .t ? ? ? N j*a7 -'C ?' - ^?.r C? , ?....;?Y ? ?' ? } ? Imo" , tYL?? JOSEPH M. LAUBACH, Plaintiff, V. LISA A. LAUBACH, Defendant. : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW 2005 - 6300 CIVIL TERM : IN DIVORCE NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take prompt action. You are warned that if you fail to do so, the case may proceed without you and a decree in divorce or annulment may be entered against you by the court. A judgment may also be entered against you for any other claim or relief requested in these papers by the plaintiff. You may lose money or property or other rights important to you, including custody or visitation of your children. When the ground for divorce is indignities or irretrievable breakdown of the marriage, you may request marriage counseling. A list of marriage counselors is available in the Office of the Prothonotary, Cumberland County Courthouse, Carlisle, Pennsylvania 17013. IF YOU DO NOT FILE A CLAIM FOR ALIMONY, DIVISION OF PROPERTY, LAWYER'S FEES OR EXPENSES BEFORE A DIVORCE OR ANNULMENT IS GRANTED, YOU MAY LOSE THE RIGHT TO CLAIM ANY OF THEM. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 South Bedford Street Carlisle, Pennsylvania 17013 717-249-3166 1-800-990-9108 AMERICANS WITH DISABILITIES ACT OF 1990 The Court of Common Pleas of Cumberland County is required by law to comply with the Americans with Disabilities Act of 1990. For information about accessible facilities and reasonable accommodations available to disabled individuals having business before the court, please contact our office. All arrangements must be made at least 72 hours prior to any hearing or business before the court. You must attend the scheduled conference or hearing. I 4b JOSEPH M. LAUBACH, : IN THE COURT OF COMMON PLEAS OF Plaintiff, : CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION -LAW 2005 - 6300 CIVIL TERM LISA A. LAUBACH, Defendant. : IN DIVORCE AMENDED COMPLAINT IN DIVORCE AND NOW comes the Defendant, Lisa A. Laubach, by her attorneys, Irwin & McKnight, and files this Amended Complaint in Divorce against the Plaintiff, Joseph M. Laubach, representing as COUNT I - DIVORCE 1. - 8. The averments set forth paragraphs one (1) through eight (9) of Plaintiff's Complaint are incorporated herein as if fully set forth. COUNT II - EQUITABLE DISTRIBUTION 9. Plaintiff and Defendant have acquired property, both real and personal, during their marriage. 10. Defendant requests the Court to equitably divide, distribute or assign the marital property between the parties in such proportion as the Court deems just after consideration of all relevant factors. WHEREFORE, Defendant respectfully requests the Court to enter an Order equitably distributing the parties' marital property pursuant to Section 3502(d) of the Divorce Code and for such further relief as the Court may deem equitable and just. Respectfully submitted, IRWIN & McKNIGHT By: AA. Douglas Miller, Esquire Supreme Court I.D. No. 83776 West Pomfret Professional Building 60 West Pomfret Street Carlisle, Pennsylvania 17013-3222 (717) 249-2353 Attorney for Defendant Date: September 6, 2007 VEFIF „CA, T,IQI?I The foregoing document is based upon information which bas been gathered by my counsel and myself in the preparation of this action. I have read the statements made in this document and they are trine and correct to the best of my knowledge, information and belief. I understand that false statements herein made are subject to the penalties of 18 Pa.C.S.A. Section 4904, relating to unsworn falsification to authorities. LIS A. LAUBACH Date: September 5, 2007 CERTIFICATE OF SERVICE I, Douglas G. Miller, Esquire, do hereby certify that I have served a true and correct copy of the foregoing document upon the persons indicated below by first class United States mail, postage paid in Carlisle, Pennsylvania 17013, on the date set forth below: VICTOR A. NEUBAUM, ESQUIRE MALONE & NEUBAUM 42 SOUTH DUKE STREET YORK, PA 17401 Date: September 6, 2007 IRWIN & McKNIGHT Y Douglas . Miller, Esquire Supreme Court I.D. No. 83776 West Pomfret Professional Building 60 West Pomfret Street Carlisle, Pennsylvania 17013-3222 (717) 249-2353 li? \- •!I l_1 r-Z, 0 rti ? p C R.?rv. v' y' t V ?y l h wd. n R V IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JOSEPH M. LAUBACH VS. LISA A. LAUBACH : NO. 2005-6300 Civil Term CIVIL ACTION - LAW DIVORCE PLAINTIFFS RULE 1920.33 (R) STATEMENT Submitted by: Victor A. Neubaum, Esq. Counsel for: Joseph M. Laubach I. HISTORY OF THE CASE: A. Complaint fled: December 8, 2005; one-count No-Fault divorce only. B. Complaint served. Acceptance of Service on June 16, 2004; filed June 17, 2004. C. Petition for Related Claims: Defendant filed Amended Complaint, September 6, 2007, raising issues of Equitable Distribution. C. Husband's Income & Expense Statement: D. Husband's Inventory-&A& AAppraisement: E. Wife's Income & Expense Statement: F. Wife's Inventory & Appraiscin : G. Motion for Avnointment of Master: August 27, 2007. II. DIVORCE: The parties were married on October 4, 1986. Joseph Laubach was born, February 6,1963; Lisa A. Laubach was bom September 9, 1963. There are three children born of the marriage: Morgan Elizabeth, August 10, 1990; Jenna Marie December 6, 1992; and Deanna Lynn; October 18, 1998. There is a custody order of September 7, 2006, with Wife having Majority physical custody and Husband having rights of partial custody. The parties separated September 4, 2005, with Husband vacating the marital residence. 4- III. CURRENT STATUS OF SUPPORT ORDER: There is no formal child or spousal order in this case. Husband is paying child and spousal support directly to Wife in an amount agreed tdo by the parties. IV. SUMMARY OF SIGNIFICANT ASSETS TO BE DISTRIBUTED: A. House: 1. Marital home at 3920 Ridgeland Blvd., Mechanicsburg, PA. Titled jointly and purchased on October 29, 1995, Wife continues to live in the home with children after separation. 2. Property appraised at $270,000.00 by James R. Perry, Central Penn Appraisers as of February 27, 2007. 3. Property has two loans. Main mortgage is Citi Mortgage, Inc., (3240) in the approximate amount of $121,140.00; and a second Home Equity mortgage with Americchoice Federal Credit Union (23341-52) at $ 5,141.00. B. Household contents: 1. Based on estimate by Husband, total is $14,400.00 2. Of total, Wife has $12,410.00 and Husband has $2,000.00. C. Automobiles 1. Husband drives 1996 Lexus ES3000 with 210, 000.00 miles. Fair condition. Lien is held under second mortgage to property. Titled jointly free and clear. Kelly Blue Book Trade in value as of 11/29/2007 is $2,495.00. 2. Wife drives 2003 Ford Windstar SEL with 81,000 miles. Good condition. Lien is held under second mortgage on property. Titled jointly free and clear. Kelly Blue Book Trade in Value as of 11/29/2007 is $7,650.00. -2- D. Schwab Roth Conversion IRA (6461): 1. Titled in the name of Wife only. 2. Value at $401330 as of 7/10/2007.; $41,127.15 as of 10/31/07; $38,972.00 as of 11/28/07. E. Schwab Roth Conversion IRA 16459: 1. Titled in name of Husband only. \ 2. Value is $42,798 as of 7/10/2007; Current value is $2.03; Calculated value as of 11/28/07, $44,625.00. F. Schwab SEP IRA (6309): 1. Titled in name of Husband only. 2. Value is $9,454.00 as of 7/10/2007; $10,594.00 as of 10/31/07; $9,564.00 as of 11/28/07. G. Schwab Traditional IRA (64552 1. Titled in name of Husband only. 2. Value is $10, 821.00 as of 7/10/2007; $11,257.56 as of 10/31/07; $10,594.00 as of 11/28/07. H. Schwab Traditional IRA (.6437h 1. Titled in name of Wife only. 2. Value is $5,055.00 as of 7/10/2007; $4,967.53 as of 10/31/07; $4,874.00 as of 11/28/07. 1. 401K IntelliMark: 1. Titled in Husband's name only. 100% vested. 2. Value as of 7/9/2007 $54,959.00. Account closed with distribution of $51,305.79 to Husband on 7/31/07. Current calculated value is $47,839.00 as of 11/28/07. 3. There may be some employer contributions after separation from September 5, 2005 to June 30, 2006. I Nationwide Annuity (6987): 1. Titled in Husband's name only. 2. Value is $ 64,841.00. $65,819.13 as of 9/30/07; $64,681.77 as of 11/28/07. -3- K. Schwab One (6457 1. Titled jointly. 2. Value as of 7/10/07 is $19,430.00; $20,824.51 as of 10/31/07; $19,287 as of 11/28/07. Account has margin loan against it, leaving net investment balance of $7,117.27 as of 10/31 /07. 3. Account includes mostly jointly owned IBM stock. V. NON MARITAL ASSETS: A. Investment Real Estate: 1. 211 Muench St., Harrisburg, PA (purchased May 2007 for $88,900.00) 2. 1509 Allison St., Harrisburg, PA (purchased April 2007 for $37,500.00) VI. WITNESSES: Plaintiff, Joseph M. Laubach, 4902 Carlisle Pike, #314, Mechanicsburg, PA 17055. Plaintiff will testify to all matters relevant to issue of equitable distribution. VII. EXPERT WITNESS: None at present. James Perry from Central Penn Appraisers if necessary as to value of marital real estate. VIII. MARITAL DEBTS: There is only the debt from the principal mortgage and second home equity line of credit.. The car debt is in the second mortgage. IX. RETIREMENT OR PENSION BENEFITS: Parties retirement or pension benefits are set forth in the list of assets. X. HUSBAND'S EXHIBITS: A. Appraisal of property, Central Penn Appraisal Services, 2/27/07. B. Deed to property, 10/29/07. C. Listing of household contents and assigned values by Husband. -4- 1 D. Schwab Roth Conversion IRA (6461). E. Schwab Roth Conversion IRA (6459). F. Schwab SEP Plan (6309). G. Schwab Rollover !RA (6455). H. Schwab Rollover IRA (6437). 1. Intellimark 401-K. J. Nationwide Annuity (6987). L. Schwab One Account (6457). XI. HUSBAND'S GROSS INCOME: Plaintiff receives income from the following sources: A. MoveTech Logistics, Inc. founded November 2006 by Husband as sole owner. S- Corporation. Completed one consulting project in February 2007 which grossed $5500.00 in billable services. No other projects obtained since then. Business expenses have exceeded $15,000 in 2007. B. Real Estate Investments: Bought and sold a 2/Bed 2/Bath condominium unit in Enola, PA. Sale closing date 11/30/07. XH. PROPOSED RESOLUTION: Husband will present proposal at Pre-Hearing Conference. Parties have exchanged correspondence on settlement. XI. SPECIAL REQUESTS: None at present. MALONE & NEUBAUM By. Victor A. Neubaum, Esq. 42 South Duke Street York, PA 17401 (717) 843-8001 S.I.D. # 29159 Attorney for Plaintiff -5- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JOSEPH M. LAUBACH : NO. 2005-6300 Civil Term VS. : CIVIL ACTION - LAW LISA A. LAUBACH : DIVORCE CERTIFICATE OF SERVICE I certify that I have this 30th day of November, 2007, served a copy of the PLAINTIFF'S RULE 1920.33(B) STATEMENT upon the person and in the manner indicated below, which service satisfies the requirements of Pa.R.C.P. 440: SERVICE BY FIRST CLASS MAIL POSTAGE PREPAID. ADDRESSED AS FOLLOWS: Douglas G. Miller, Esq., 60 West Pomfret Street, Carlisle, PA 17013-3222, Attorney for Defendant. MALONE & NEUBALM /,, 4z BY: V, Victor A. Neubaum, Esq. 42 South Duke Street York, PA 17401 (717) 843-8001 S.I.D. # 29159 Attorney for Plaintiff -6- 11 lle Nu. W1QQELARD 92U Pa e # SUMMARY OF SALIENT FEATURES Subject Address 3920 RIDGELAND BLVD Legal Description DEED BOOK 131, PAGE 539 City MECHANICSBURG County CUMBERLAND State PA Zip Code 17050 Census Tract 0113.03 Map Reference ADC 9/17-8 Sale Price $ N/A Date of Sale N/A Borrower/Client N/A Lender PRIVATE Size (Square Feet) 2,128 Price per Square Foot $ Location GOOD Age 22/15 Condition AVERAGE • Total Rooms 8 Bedrooms 4 Baths 2.5 ' Appraiser JAMES R. PERRY Date of Appraised Value 2-27-07 Central Penn Appraisals, Inc. (717) 737-4600 JI Ily_No._ IIIDI LLAND39201. Nage #4 Uniform Residential Annimisai RPnnrt The purpose of this summa appraisal report is to provide the lender/client with an accurate, and ade uatel su oded, opinion of the market value of the subject property.- Property Address 3920 RIDGELAND BLVD City MECHANICSBURG State PA Zip Code 17050 Borrower N/A Owner of Public Record LAUBACH JOSEPH/LISA Coun CUMBERLAND Legal Description DEED BOOK 131, PAGE 539 Assessor's Parcel # 10-17-1035-157 Tax Year 2007 R.E. Taxes $ 2 500.44 Neighborhood Name RIDGELAND Ma Reference ADC 9/F-8 Census Tract 0113.03 Occupant Owner ? Tenant Vacant Special Assessments $ 0.00 ? PUD HOA $ ? er ear ? er month Property Rights Appraised Fee Simple Leasehold Other describe Assignment Type Purchase Transaction Refinance Transaction Other describe Lender/Client PRIVATE Address Is the subject property current) offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? ? Yes ® No Report data sources used, offering price(s), and dates . I ? did ? did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not performed. N/A Contract Price $ N/A Date of Contract N/A Is the roe seller the owner of public record? Yes No Data Source s Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? ? Yes ? No If Yes, report the total dollar amount and describe the items to be aid. N/A Note: Race and the racial composition of the neighborhood are not appraisal factors. ?y N611 NOW' 0 hdt?id8d Cliataflct?FlF: , , ? ?It fs?l ? Pt I. Location Urban ® Suburban Rural Pro a Values Increasing Stable Declining PRICE AGE One-Unit 60% Built-U ? Over 75% ® 25-75% ? Under 25% Demand/Supply Shortage In Balance ? Over Supply $(000) rs 2-4 Unit 0% Growth RN id ® Stable Slow Marketing Time Under 3 mths ? 3-6 mths ? Over 6 mths 100 Low NEW Mufti-Family 0% . Neighborhood Boundaries This suburban neighborhood has avers a characteristics and is bounded on the 600+ High 100+ Commercial 5% north b Rte 944, on the east b the tw line on the south b Rte 11 and on the west b Good Hope Rd. 250 Pred. 30 Other V-35 % Nei hborhood Description This suburban neighborhood has most public utilities available relative) easy access to employment and services and is corn etitive with other neighborhoods in the general area. Most have similar amenities. No unfavorable factors were observed which would adverse) effect marketability. Market Conditions (including support for the above conclusions See attached addenda. [Dimen sions SEE LEGAL DESCRIPTION Area 15 682 SF Sha a RECTANGULAR View AVERAGE fic Zonin Classification R1 SINGLE FAMILY RESIDEN Zonin Descrition SINGLE FAMILY DETACHED RESIDENTIAL PERMITTED Compliance Legal ? Legal Nonconforming Grandfathered Use No Zoning Illegal describe Is the highest and best use of subject property as improved or as proposed per plans and specifications the resent use? ® Yes No If No, describe Utilities Public Other (describe) Public Other (describe) Off-site Improvements - Type Public Private Electricity ? Water ® Street ASPHALT ? Gas ? ? NONE Sanitary Sewer ® ' Alle NONE ? ? FEMA Special Flood Hazard Area ? Yes ® No FEMA Flood Zone X FEMA Ma # 4203600010C FEMA Ma Date 1/5/1996 Are the utilities and off-site improvements typical for the market area? Yes No If No, describe Are there an adverse site conditions or external factors easements, encroachments, environmental conditions, land uses, etc.)? ? Yes No If Yes, describe Site has average site improvements, average landscaping, and typical maintenance. There are no apparent adverse easement encroachments or other adverse conditions on this site. i R Units ® One ? One with Accessory Unit ? Concrete Slab ? Crawl Space Foundation Walls CONC/AVE Floors VIN/CPT/AVE # of Stories 2 Type ® Det. Att. ? S-Det./End Unit Existing ? Proposed ? Under Const. Design (Style) 2STY/AVE Year Built 1985 ® Full Basement Partial Basement Basement Area 675 s .ft. Basement finish 85 % Outside Ent /Exit Sum Pump Evidence of ? Infestation Exterior Walls VINYVAVE Roof Surface SHINGLE/AVE Gutters & Downspouts ALUM/AVE Window Type DBL INSUAVE Storm Sash/Insulated NO/YES/AVE Walls DRYWALUAVE Tdrn/Finish WOOD/AVE Bath Floor VINYUAVE Bath Wainscot FBGLS/AVE Car Stora a None Effective Age rs 15 Attic None IF] Oro Stair ? Stairs ? Floor ® Scuttle ? Finished ? Heated Appliances ? Refrigerator ® Range/Oven ? Dampness ® Settlement Screens YES/AVE Driveway # of Cars 2 Heating WA HWBB Radiant Amenities Woodstove s # Driveway Surface CONCRETE ? Other fuel ELEC ® Fireplace(s) # 1 ? Fence ®Garage # of Cars 2 Coolin ® Central Air Conditionin Patio/Deck ® Porch FRONT Carport # of Cars ? Individual ? Other ? Pool ? Other ®Att. ? Det. ? Built-in ® Dishwasher ® Disposal ® Microwave Washer/Dryer ? Other describe Finished area above grade contains: 8 Rooms 4 Bedrooms 2.5 Baths 2.128 Square Feet of Gross Living Area Above Grade Additional features (special energy efficient items, etc.. Front porch; rear covered patio; finished lower level rec room with full bath; sunken living room with LFlje No. RIDGO AND392dj Page ij Uniform Residential Appraisal Report He# RIDGELAND3920 There are 18 com?arable'ro?erties currently offered for sale in the cuhiarf nninl.hnrhnnd ere are 61 comparable sales in the subjec t neighborhood within the past twelve mo nths ran i i l FEATURE SUBJECT COMPARABLE SALE # 1 g ng n sa e rice from $ 22455.00 COMPARABLE SALE # 2 0 0 to $ 300.000 Address 3920 RIDGELAND BLVD 3918 EMILRIDGE DRIVE 3962 DGE DRIVE ' COMPARABLE L MECHANICSBURG PA 17050 P i i j MECHANICSBURG PA 17050 URG MECHPA 17050 3973 BR OOKR GE DRIVE rox m to Sub ect 0.07 miles NW E 0 16 m MECHANICSBURG PA 17050 Sale Price Sale Price/Gross Liv Area N/A $ . `., 279 90 0 i',N y $ 270 000 0 2 miles NW $ . Data Sources sq. I. $ 134.05 s .ft. $ 118.11 s .tt. `' 249 900 D Verification Sources ASMT RECORDS/MLS/AGENT/ ASMT RECORDS/MLS/AGENT/ ASMT RECOR DS/MLS/AGENT/ VALUE ADJUSTMENTS DESCRIPTION SETTLEMENT DEPT. DESCRIPTION + - $ Ad'ust t SETTLEMENT DEPT. ' SETTLEMENT DEPT. Sales or Financing . ;? men VA DESCRIPTION + - $ Ad ustment DESCRIPTION + - $ Ad'ustment Concessions ' NONE KNOWN CONV NONE KNOWN CONV Date of Sale/Time 10-3-06/24 12 2 NONE KNOWN Location GOOD GOOD - 9-06/80 7-14-06/11 L h GOOD GO ease old/Fee Sim le FEE SIMPLE FEE SIMPLE OD Sit FEE SIMPLE FEE e 15,682 SF 141-81 0 SF 19 1 SIMPLE View AVERAGE 66 SF 3 504 AVERAGE AVERAGE Desi n S le 2STY/AVE G AVERAGE 2STY/AVE 2STY/AVE Ouali of Construction VIN/FRM/AV 2STY/AVE E BRK/VIN/AVE -3 000 VIN/FRM/AVE Actual A e 22/15 20/15 , 39/ BR AVE -3 000 Condition AVERAGE 15 15 20/15 AVERAGE AVE RAGE Above Grade Total Bdrms. Baths Total Bdrms. Baths Total Bdrms Baths AVERAGE Room Count 8 4 25 8 4 12 5 8 . Total Bdrms. Baths Gross Livin Area 2,128 s .ft. . 2,088 s .ft. 4 2 2 3 A -2 500 8 4 2.5 Basement & Finished FULL BS 86 s . 2,054 s .ft. MT FULL BSMT FULL BSMT Rooms Below Grade REC ROOM REC ROOM REC ROOM FULL BSMT Functional Utili AVERAGE AVERAGE AVERAGE UNFINISHED +10,000 Heatin Coolin EHP/CA AVERAGE EHP/CA OFA/CA Ener Efficient Items TYP F EHP/CA OR AREA TYP FOR AREA TYP FOR AREA Gara a/Car on 2C GAR/ TYP FOR AREA . ATT 2C.GAR/ATT 2C GAR/ATT Porch/Patio/Deck - PORCH PORCH . 2 DECKS 2C.GAR/ATT COV. PATIO DECKIPATIO -1,500 PATIO -2,500 +1 000 DECK NONE ' 1 FP 1 FP , + 2,500 ' 2 500 1 FP Net Adjustment otal LL FLL BTH NONE ® + +5,000 $ NONE 5 000 + NONE +5 000 Adjusted Sale Price Net Adj. 0.2 % 500 El + - Net Adj. 0 6 % $ -1,500 ®+ - N t Ad $ 14,500 of Com arables I did did not research t he sale or transfer hist Gross Ad'. 3.4 or of th bj 280,4001 . Gross Ad'. 5.0 %, $ 268,500 e j. 5.8 % Gross Ad'. 8.2 '164-400 y e su ect prop erty and com arable sales. If not, explain M research ? did ® did not reveal an prior sales or transfers of the subject property for the three ears prior to the effective date of this a raisal Data Sources LOCAL MLS & COUNTY ASSESSMENT RECORDS ONLINE pp . M research ? did ® did not reveal an prior sales or transfers of the comparable sales for the year prior to the date of sale of the com arable sale p Data Sources LOCAL MLS & COUNTY ASSESSMENT RECORDS ONLINE . Report the results of the research and anal sis of the prior sale or transfer history of the subject property and com arable sales (report additional prior sales on a e 3) ITEM Date of Prior Sale/Transfer SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 11-20-95 . COMPARABLE SALE #3 Price of Prior Sale/Transfer 7-8-92 NO PRIOR SALE 165 000 162 000 10-5-99 Data Source s Effective Date of Data Source LISTED COUNTY RECORDS COUNTY RECORDS COUNTY RECORDS 178-0-0- 0 COUNTY RECORDS s 3-3-07 3-3-07 3-3-07 Analysis of prior sale or transfer history of the subject property and comparable sales There wer 3-3-07 e or comoarahlP calac no unusual characteristics observed in t - of Sales Comparison Approach All three sales are considered to be reliable indicators of value and are weighted similarly in iafinn Inc, fF . ? ayingizoT iu extena searcn parameters In order to find les used are all closed salPS All fhraac nnm-r-ki- --I-- --- as_ cne sublect property and would be considered by the same perspective purchaser if all were on LFlle_Nu._NIUGELANU392U i a e #5 Unifnrm A0Qidanti,nl A Attached Provide ade ? ., . ? ?- . •? :H:. .' .: uate information for the lender/client to re licate the below cost figures and calculations. ?Su ort for the o lnlon of site value summa of com arable land sales or other methods for estimating site value The costa roach was considered but deemed ina ro riate because of the sub'ective ad'ustments warranted for physical depreciation due to the sub'ect's actual age. ESTIMATED ? REPRODUCTION OR ® REPLACEMENT COST NEW OPINION OF SITE VALUE ............................ ______ _ _ _ __ ___ _____ _ Source of cost data MARSHALL & SWIFT COST VAULATION SERVICE DWELLING .. . $ S .Ft. @ $ - Oualit ratin from cost service AVE. Effective date of cost data 09/2006 S .Ft. @ $ =$ - Comments on Cost Approach (gross living area calculations, de reciation etc. =$ Estimated Replacement Cost-New-of-Improvements is calculated using Garage/Carport S Ft. @ $ =$ the Marshall & Swift Residential Cost Handbook and local cost analysis. Total Estimate of Cost-New =$ Estimated site value is based on local market analysis. Depreciation is Less Physical Functional External estimated using the economic age-life method and market analysis. No Depreciation =$ obsolescence was observed. The estimate remaining economic life for Depreciated Cost of Improvements the sub'ect improvements is 45 ears. "As-is" Value of Site Improvements Estimated Remaining Economic Life HUD and VA onl Years INDICATED VALUE BY COST APPROACH ... Estimated Monthl Market Rent $ N/A X Gross Rent Multi tier N/A = $ NIA I Indicated Value b Income p Summa of Income A roach including support for market rent and GRM) Is the developer/builder in control of the Homeowners' Association Provide thp fnllnwinn infnrmitinn fnr Di ine nu v ;# Z .,_.._,....-, Yes ? No Unit type(s) ? Detached File # RIDGELAND3920 Uniform Residential raisal Report File No. RIDGELAiVD39201 paOB Filed RIDGE-IAND3920 This report form is designed to report an appraisal of a one-unit property or a one-unit Including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. property with an accessory unit; This appraisal report is subject to the following scope of work, intended use, intended user, statement of assumptions and limiting conditions, and certifications. Modifications, additions or use, intended user, definition of market value, or assumptions and limiting condition definition of market value, expand the scope of work to include any additional research or analysis necessary based deletions to the intended assignment. Modifications or deletions to the additional certifications are also not permitted, s are not permitted. The appraiser may not constitute material alterations to this appraisal report, such as those required by ry law sad or on those the related to the a complexity of this appraisal the as that do do continuing education l membership h an appraisal organization are However, additional certifications permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of reporting requirements of this appraisal report form, Including the following definition of market value, assumptions and limiting conditions, and certifications. The appraiser must this appraisal assignment and the inspection s the interior and exterior areas certifications. the subject pro pert ( at a minimum: 1 statement of comparable sales from at least the street , (4) research, verify, and analyze edatthe neighbor h od,e(3)r inspe t eacheof?thel and (5) report his or her analysis, opinions, and conclusions in this appraisal report m reliable public and/or private sources, INTENDED USE: The intended use of this appraisal report is for the lender/client t subject of this appraisal for a mortgage finance transaction. o evaluate the property that is the INTENDED USER: The intended user of this appraisal report Is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should brin in market under all conditions requisite to a fair sale, the buyer and seller, each actin g a competitive and open the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of and assuming the passing of title from seller to buyer under conditions whereby: (1) buyer and g seller are prudently, typically motivated; knowledgeably (2) both parties are well informed or well advised, and each acting in what he or she considers his or her a specified date and reasonable time is allowed for exposure in the open market; 4 own best interest; (3) a of financial arrangements comparable thereto; and (5) the price payment he madenormalterms consideration orS. dollars or in terms the unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale property sold *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adj necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; thesemc st are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing os are adjustments can be made to the comparable property by comparisons to financing terms offered by a third party g lender that is not already involved in the property or transaction. Any adjustment should not be calculated on institutional dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should a roximat mechanical reaction to the financing or concessions based on the appraiser's judgment. pp a the market's STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this re o subject to the following assumptions and limiting conditions: p rt is 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised to it, except for information that he or she became aware of during the research Involved in performing this a raisal the title appraiser assumes that the title is good and marketable and will not render any opinions about the title. pp I The 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination tof its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Mana eme (or other data sources) and has noted In this appraisal report whether an 9 nt Agency identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he orf she makest no site implied, regarding this determination. 9 uarantees, express or 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the ro ertunless specific arrangements to do so have been made beforehand, or as otherwise required by law. p p y in question, 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved In performing the appraisal. Unless otherwise stated in this a report, the appraiser has no knowledge of any hidden or unapparent physical deficlenripc nr Ppraisal property (such as. but not limif-I .,. Uniform Residential He No. RIDGELAND39201 Page #71 V"" He RIDGELAND1920 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. 1 have, at a minimum, developed and reported this appraisal in accordance with the sco a of work this appraisal report, p ork requirements stated in 2. 1 performed a complete visual Inspection of the interior and exterior areas of the subject property. the improvements in factual, specific terms. I Identified and reported the physical deficiencies t I reported the condition livability, soundness, or structural integrity of the property, hat could affect the 3. 1 performed this appraisal in accordance with the requirements of the Uniform Standards of Prof Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Found ti ati essional Appraisal place at the time this appraisal report was prepared. on and that were in 4. 1 developed my opinion of the market value of the real property that is the subject of this report based comparison approach to value. I have adequate comparable market data to develop a reliable sales comarison for this appraisal assignment. I further certify that I considered the cost and income a ro on the sales them, unless otherwise indicated in this report. pp aches to value but did n tpde? develop 5. 1 researched, verified, analyzed, and reported on any current agreement for sale for the sub' sale of the subject property in the twelve months prior to the effective date of this appraisal, and theppriorrtsale any offering for s of property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this the subject 6. 1 researched, verified, analyzed, and reported on the prior sales of the comparable sales for a mini report. to the date of sale of the comparable sale, unless otherwise indicated in this report. mum of one year prior 7. 1 selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject 8. 1 have not used comparable sales that were the result of combining a land sale with the contract property. has been built or will be built on the land. purchase price of a home that 9. 1 have reported adjustments to the comparable sales that reflect the market's reaction to the differences betwee property and the comparable sales. n the subject 10. 1 verified, from a disinterested source, all Information in this reportthat was provided by parties who have a financial the sale or financing of the subject property. interest in 11. 1 have knowledge and experience In appraising this type of property in this market area. 12. 1 am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing tax assessment records, public land records and other such data sources,for the area in which the property locag 13. 1 obtained the information, estimates, and opinions furnished by other parties and ex ressed in ed. reliable sources that I believe to be true and correct. P this appraisal report from 14. 1 have taken into consideration the factors that have an impact on value with respect to the subject neighborhood subject property, and the proximity of the subject property to adverse influences In the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. 1 have not knowingly withheld any significant information from this appraisal report and, to the best of my knowled a all statements and information in this appraisal report are true and correct. g 16. 1 stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions which are subject only to the assumptions and limiting conditions in this appraisal report. 17. 1 have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base: either partially or completely, my analysis and/or opinion of market value In this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties In the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supportin a predetermined specific value, a predetermined minimum value, a range or direction in value_ a vahma thof f-,,,....?._ g) any party, or the attainmPnt of a :f,,, raisal Re ON-14-9. Ii105 LF AR03920 'agg gJ Uniform Residential Appraisal Report Filed RIDGELAND3920 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. 1 am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation (s) contained In this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. r SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. 1 accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER PA A CERTIFIED RESIDENTIAL R.E. APPRAI: Signature Name JAME ERRY Company Narrk CENTRAL PENN APPRAISALS INC. Company Address 24 WEST MAIN STREET SHIREMANSTOWN PA 17011 Telephone Number 1717) 737-4600 Email Address Date of Signature and Report March 05, 2007 Effective Date of Appraisal 2-27-07 State Certification # RL001786L or State License # or Other (describe) State # State PA Expiration Date of Certification or License 6/30/2007 SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY ADDRESS OF PROPERTY APPRAISED ? Did not inspect subiect nronPrty Uniform ReSidential AnnrniQn1 Rnnnr+ FtATURE S UBJECT COMPARAB Address 3920 RIDGELAND BLVD 3944 BROOKRI MECHANICSBURG PA 17050 MECHANICSBU Proximi to Subject 0.13 miles W Sale Price .?N/A ???? ,•., Sale Price/Gross Liv. Area $ s .ft. $ 140.37 Data Sources ASMT RECORD Verification Sources X' ` SETTLEMENT D VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION Sales or Financing CONV Concessions 14, NONE KNOWN Date of Sale/Time 7-28-06/5 Location GOOD GOOD . Leasehold/Fee Sim le FEE SIMPLE FEE SIMPLE Site 15 682 SF 33 541 SF • View AVERAGE AVERAGE Design (Style) 2STY/AVE 2STY/AVE Quality of Construction VIN/FRM/AVE BRK/VIN/AVE Actual Age 22/15 ' - -r-r LE SALE # 4 COMPARAB DGE DRIVE RG PA 17050 $ 306 000 ?, ,. , k $ s .ft. S/MLS/AGENT/ EPT. + - $ Adjustment DESCRIPTION 5.000 -3 000 " 'F""L Flle# RIDGELAND3920 LE SALE # 5 COMPARABLE SALE #6 $'?,` i;; $ s .ft. -r + $ Ad ustment DESCRIPTION + $ Adjustment 21/10 ' Condition AVERAGE Above Grade Room Count Total Bdrms. Baths 8 4 2.5 GOOD Total Bdrms. Baths 8 4 2.5 -10 000 Total Bdrms. Baths Total Bdrms. Baths . Gross Living Area 21 8 s ff 2 Basement & Finished Rooms Below Grade Functional Utility . . FULL BSMT REC ROOM AVERAGE ,180 s .ff. FULL BSMT RECRM/DEN AVERAGE -5,000 s aft s 'ff' Heating/Cooling EHP/CA Energy Efficient Items Garage/Carport Porch/Patio/Deck TYP FOR AREA 2C.GAR/ATT PORCH OFA/CA TYP FOR AREA 2C.GAR/ATT NONE 2500 COV PA I . T O SCR. PORCH -1 500 1 FP I FP LL FLL B TH LL FLL BTH Net Adjustment Total + - $ -22 000 + $ + Adjusted Sale Price Net Adj. 7.2 % Net Ad', % $ Net Adj. % of Com arables Gross Ad'. 8.8 % $ 284 000 Gross Ad'. %1$ Gross Ad'. % $ Report the results of the research and anal sis of the prior sale or transfer history of the subject property and com arable sales re ort additional prior sales on a e 3 . ITEM SUBJECT COMPARABLE SALE # 4 COMPARABLE SALE # 5 COMPARABLE SALE # 6 Date of Prior Sale/Transfer 11-20-95 NO PRIOR SALE Price of Prior Sale/Transfer 165,000 LISTED Data Sources COUNTY RECORDS COUNTY RECORDS Effective Date of Data Sources 3-3-07 3-3-07 Analysis of prior sale or transfer history of the subject property and comparable sales Anal sis/Comments Flie No. muGELAND3920 Pa a #9 r/Client N/A Supplemental Addendum File No. RIDGELAN D3920 Address 3920 RIDGELAND BLVD MECHANICSBURG Coun CUMBERLAND PRIVATE State PA Zip Code 17050 • URAR : Neighborhood Market Conditions There are no foreseeable economic trends which might significantly influence market conditions in this area. The current mortgage market offers a wide variety of conventional loans with competitive rates. As a result, the terms of financing have little, if any, impact on sales prices. If interest rates,remain reasonable, property values and marketability should be good. Current supply and demand are in balance. Marketing time averages 90 days as per MLS statistics. Interest rates are ran in from 6-7% with 0-3 points typically being paid for origination or discount. 9 9 • URAR : Final Reconciliation This appraisal assumes a reasonable marketing period for the subject propert y of three months. The Market Approach reflects recent activity in the market place. The Income Approach is inappropriate because few single family houses are rented in this market. In view of the age of these improvements, the Cost Approach indicator of value. Given the high quality of the available sale data, the value dic ted by the Ma ketApproachisuused as the final estimated value. This appraisal report has been prepared with the property in "as is" condition. No repairs needed or required. No personal property has been included in this valuation. It is noted that the appraised value is greater than the predominant value. The subject is not considered an over-improvement and the predominant neighborhood value has no impact on the subject marketability. THIS IS A SUMMARY REPORT OF A COMPLETE APPRAISAL. APPRAISER ACKNOWLEDGEMENT APPRAISERS ACKNOWLEDGES AND AGREES, IN CONNECTION WITH ELECTRONIC SUBMISSION OF APPRAISALS, AS FOLLOWS: THE SOFTWARE UTILIZED BY THE APPRAISER TO GENERATE THE APPRAISAL PROTECTS SIGNATURE SECURITY BY MEANS OF A DIGITAL SIGNATURE SECURITY FEATURE WHICH LOCKS THE REPORT WITHIN OUR OFFICE AND CAN NOT BE ALTERED BY ANYONE OTHER THAN OUR OFFICE. APPRAISER CERTIFICATION APPRAISER STANDARDS I acknowledge and certify that (1) my appraisal of the above referenced property may be used in a federally related financial transaction subject to requirements of Title XI of the Financial Institution Reform, Recovery and Enforcement Act of 1989 (FIRREA"); (ii) the appraisal must comply with FIRREA and the applicable regulations implementing Title IX of Firrea; and (iii) the appraisal was completed in accordance with USPAP. APPRAISER COMPETENCY I certify that I am fully qualified and competent by training, knowledge, and experience to perform this appraisal. APPRAISER INDEPENDENCE I represent and certify that (1) the appraisal assignment was not based on a requested minimum valuation, a specific valuation, or the approval of a loan; (ii) my employment was not conditioned upon the appraisal producing a specific value or value within a given range; (iii) my future employment is not dependent upon an appraisal producing a specific value; (iv) my employment, compensation, and future employment are not based upon whether a loan application was approved; (v) neither me nor any person with an ownership interest in the company employing me, is related to or has any ownership or other financial interest in, either the builder/developer, seller, buyer, mortgage broker, or real estate broker/salesperson (or any person related to any of them) involved in the transaction for which this appraisal was requested, or with the most recent sale or refinancing of any property used as a comparable property in this appraisal, and (vi) I am not aware of any facts which would disqualify me from being considered an independent appraiser. Su6lpct Phntn Dft.,.s Subject Front 3920 RIDGELAND BLVD Sales Price N/A Gross Living Area 2,128 Total Rooms 8 Total Bedrooms 4 Total Bathrooms 2.5 Location GOOD View AVERAGE Site 15,682 SF Quality VIN/FRM/AVE Age 22/15 Subject Rear Subject Street Comparable 1 3918 EMILRIDGE' DRIVE Prox, to Subject 0.07 miles NW Sale Price 279,900 Gross Living Area 2,088 Total Rooms 8 Total Bedrooms 4 Total Bathrooms 2.5 Location GOOD View AVERAGE Site 14,810 SF Quality BRKNIN/AVE Age 20/15 Comparable 2 3962 BROOKR IDGE DRIVE Prox. to Subject 0.16 miles NW Sale Price 270,000 Gross Living Area 2,286 Total Rooms 8 Total Bedrooms 4 Total BaNxooms 3 Location GOOD View AVERAGE Site 19,166 SF Quality VIN/FRM/AVE Age 39/15 Comparable 3 3973 BROOKRIDGE DRIVE Prox. to Subject 0.2 miles NW Sale Price 249,900 Gross Living Area 2,054 Total Rooms 8 Total Bedrooms 4 Total Bathrooms 2.5 Location ,,,--- GOOD Camnarahla oh.,f„ o..-- i-ile No, f Comparable 4 3944 BROOKRIDGE DRIVE Prox. to Subject 0.13 miles W Sales Price 306,000 Gross Living Area 2,180 Total Rooms 8 Total Bedrooms 4 Total Bathrooms 2.5 Location GOOD View AVERAGE Site 33,541 SF Quality BRK/VIN/AVE Age 21/10 Comparable 5 Prox. to Subject Sales Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location View Site Quality Age Comparable 6 Prox. to Subject Sales Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location View Comparable Photo Page Ru11INUM.. 0V-1-6 41.a 41.a Comments: Code GLAl GLA2 GAR AREA CALCULATIONS SUMMARY Description Size Not Totals First Floor 1103.00 1103.00 Second Floor 1025.00 1025.00 garage 550.00 550.00 !S. V rs.a LIVING AREA BREAKDOWN Breakdown Subtotals First Floor 6.0 x 54.0 19.0 x 41.0 Second Floor 25.0 x 41.0 324.00 779.00 1025.00 F e o. NO Map 5 ?yt50d???' the ?%4 61 ? ? '?? Ward to Acted p1 ?. 5 R gp ?bn R c?ki d Sfacaa RdS a+ PA Q weal Enole ? 3 8 d ? ??V6 $ ? eV duce 61`0" AA, t& u 3 ? In RN*IW Or f4famt Rd RIt V Rd ckiaxd View tMWO s d M or w» Rd SufAyw s Adam Rh to F 4 ,? cemmml Perk vww t" YMA t% ? ?, 4 ? t ° arm w ? ?a is ?,. 8 Good Hope ¢ 8 9Mer ? Gsdt; . - t 1 6, YIeW Petit d trcckuiw Rd l u` ri OtiF ?6 R ad& No LA Ads Dr Nf 41y 71 yet d?a {01 .,.. a ,c g F + Q? 4d c> c 4 ro µrgp R¢? `" a 3920 R> LAPID e?vo e?""°°a tin a . 'Wo s ?, vwbet il" ytRtyiMnr a _ ? '? ?? ??" Ot ?r? cat,try cAb SOO i "? CpN•? ?4? ". 9 4e ed 4 a? Its pd i 4 v i 3 Q A ???444 d °. a Comoarabla smom Man t iIV at.tK-w,nIn0.anb L861"nan Pain-Act IM-4).usw shoot flanry Nan. , IoM, Pa. PARCEL NO. 10-17-1035-157 '.0 ;Dttb, MADE THE eP -k day of in the year of our Lord one thousand nine hundred ninety-five (1995) BETWEEN JEFFREY L. BUSHONG and CATHLEEN A. BUSHONG, husband and wife, of Mechanicsburg, Pennsylvania cz ranto ,., and c') =? JOSEPH M. LAUBACH and LISA A. LAUBACH, husband and wife, 3 U of Mechanicsburg, Pennsylvania c n CO Z. III ?'t0 v e? WITNESSETH, that in consideration of ONE HUNDRED SIXTY-FIVE THOUSAND ------Grantees-: ------------------------- _--($165,000.00)------------------------ Dollars, in hand paid, the receipt whereof is hereby acknowledged, the acid grantors do hereby grant and convey to the said grantees , ALL THAT CERTAIN piece or parcel of land situate in the Township of Hampden, County of Cumberland and State of Pennsylvania, more particularly bounded and described as follows: BEGINNING at a point of the intersection on the southern line of Ridgeland Boul- evard and the line of adjoiner between Lots Nos. 146 and 147 on the hereinafter mentioned Plan of Lots; thence along said southern line of Ridgeland Boulevard, North 87 degrees 19 minutes 00 seconds East, a distance of 100.0 feet to a point; thence South 02 degrees 41 minutes 00 seconds East along the line of ad- joiner between Lot No. 146 herein and Lot No. 94 on Plan No. 6, a distance of 155.0 feet to a point; thence South 87 degrees 19.minutes 00 seconds Weft, a distance of 100.0 feet to a point; thence North 02 degrees 41 minutes 00 seconds West along the line of adjoiner between Lots Nos. 146 and 147 on said Plan, a distance of 155.0 feet to a point on the southern line of Ridgeland Boulevard, the Place of BEGINNING. BEING Lot No. 146 and containing 15,500.00 square feet as shown on Plan No. 12, Ridgeland, recorded in the Office of the Recorder of Deeds of Cumberland County, in Plan Book 47, Page 125, UNDER AND SUBJECT, NEVERTHELESS, to easements, restrictions, reservations, con- ditions and rights of way of record. BEING known and numbered as 3920 Ridgeland Boulevard, Mechanicsburg, Pennsyl- vania. BEING THE SAME PREMISES which John J. O'Keefe, a single man, by his Deed dated March 31, 1994 and recorded April 7, 1994 in the Office of aria Recorder Deeds in and for Cumberlnnd County in Deed Book 101, Pnno 767, nrnntod and conve yr.d unto Jeffrey L. ISushong and CnLhleen A. Bushong, his wife, Grantors herein. % rr , , f7i' ? a cn ? c to ?' rsa c7f . m r , , r 0 r. 0 Q E4, LA 91 #1_1 03-4 i? r9 o4u' j o.. 90UC Put. 539 PLAINTIFF'S EXHIBIT NP And the said grantors hereby covenant and agree that they wiU warrant specially the property hereby conveyed. the day and yaE rytwabo"gor sad grantors have hereunto at their hoods and seats 4 tb, Atlltb enlr ?ellbeteD In the nct o . BU}i?N 7 ................. CATNLE?N A. BI15110NG .......................................-. aau. "A& _._. --......... .......... ---- llv? State of COmay of Cu , re i/a rt ?as. On this, the 9 ? A Notary Public day of. OCAS, ' 1s9s- me, the undersigned officer, , before husband and wife, personally appeared JEFFREY L. BUSNONG & CA771LEEN A. BUSHOWG, known to me (or satisfactorily proven) to be the persons whose names "thin instrument and aoknowiedped that they are subscribed to the executed acme for the Purposes therein trr S ir'AEREOF I hereunto set "nd and ofta seal. .4. 1,91111 .,. o ? GCMLDJ.S New C b .. ; p ] 1l -?. um er MI Comml; , County of On this, the day of the undersigned officer, personally appeared --- asw '7 TSK. "gi ?Q 0. C B . ... . ......... 71;bed T#le of Ogleer. E , 18 , before mer known to me (or satisfactorily proven) to be the parson whose nine "thin instrument, and acknowledged that contained. executed same for the purposes therein the IN WITNESS WHEREOF, I prposes therein hereunto set my hand and ofteial seal. ........................................... `=/ _.... sass ...................................... __...._. - Title of Oflcer. - ido grantee hereby certify 2 th the E ' e r and of W within named plc e oat office addreae 01 15 1995 l ?70 5 - •---- ? 111 etiox 131 PA&F .......... -•-.... t.Attn ttuuo._r„ rAr, i'A 5 ? C. StrrLo?? HouseHold Contents Value Kitchen: DIn i E L. Fridge w/icemkr 400 , , Table/Chairs 300 Living Rm• Range Microwave 450 China Hutch 500 Piano End Tables 2000 Dishwasher 100 350 China Dishes Crystal Ware 500 Coffee Table 120 75 Toaster Oven 50 Silverware 500 500 Lamps 80 Coffee Maker 20 Water Cooler 100 Couch 200 Furniture 200 Wine Holders 50 Love Seat 100 Pots/Pans 100 Desk 50 Dishes 300 Art (Piano plyr) 300 Utensils 150 Total Kitchen $ 2,120 Total Dinin 9 -i -2,4-50 Total Livi ng $ 2,925 Master: Kids Rooms TV VCR 50 Bed (jenna) 125 Bas-- a-ImSnt TV Mirror 25 15 Steel Book Nightstand 50 Home Theatre 600 250 Dressers (3) 50 150 VCR Cabinet 25 Bunks 200 Christmas Decor 100 500 Misc 200 Total Master $ 90 Total Kids $ 575 Golf Artwork (Joe) 300 Total Basement $ 1,975 HouseHold Contents Total $ 1 4,410 Joe 00 00 a ?~Z Lisa ' $ 12,410 PLAINTIFF EXH113tt G Laundry / Family Rm: Garage Easy Chair 75 Washer 800 End Tables 75 Dryer 700 Lamps 20 Mower 300 Daytona Pic (Joe) 75 Cartop 150 Other Art 50 Workbench 80 Tools/Misc 200 Total Family $ 295 Miscellaneous Vacuum (Lisa) 100 Video Cam (Joe) 400 Tools (Joe) 400 Recrd Player (Joe) 50 CD Player (Joe) 100 Shotglasses 200 Golf Equip 500 Total Misc. $1,750 Total Dining $ 2,230 61(.M(,' 'SCHWAB Account Statement Retain for Your Records Statement Period: October 1, 2007 to October 31, 2007 Last Statement: Se tember 'an.,-2007 _ Roth Conversion IRA Account Number: 5399-6461 31/10-CNAD2105-019290-SML-170552172000343189 -2 LISA A LAUBACH CHARLES SCHWAS & CO INC CUST ROTH CONVERSION IRA 3920 RIDGELAND BLVD MECHANICSBURG PA 17055-2172 Going paperless Is easy. Log on to: www.schweb.com/estatements Questions? Cali Banking Inquiries: ca 80- 00-43559050 Account Value Summa Cash, Money Market, and Deposit Accounts Investments $ 590.56 Total Account Value $ 40,536.59 1,127.1 Investment Detail Cash, Money Market, and Deposit Accounts DEPOSIT ACCOUNTS (X,Z) SCHWAB MONEY MARKET FUND Investments SCHWAB INTL INDEX FUND 0 SCHWAB SMALL CAP INDEX 0 FUND SCHWAB 1000 INDEX FUND - 0 INVESTOR SHARES Settle Trade SWMXX Account Opened in: 1998 Page 1 0 a eo - o ? Chan a in Value Summa .,MM Starting Account Value Transactions 8, Income This Period $ 40,130.14 s Change in Value of Investments This Period $ 0.85 16 $ 996 Ending Account Value . Change in Account Value Since 1/1/07 S 41,127.15 simm w $4,117.08 Rate Summa _ ` Deposit Accounts: Interest rate as of 10/31 (Z) _ sus, 0 75% Schwab MMF . ?.?. 4.54% Quantity SWINX SWSMX SNXFX Total Account Value Cash, Money Market, and Deposit Accounts, Activity 10/16 10/15 Bank Interest (X,Z) BANK INT 091607-101507 $ 0.85 Please see "Footnotes for Your Account" section for an explanation of the footnote codes and symbols on this 02004 Charles Schwab & Co..lnc. All rights reserved. Member SIPC. CRS 22840 (0001-0388) STP10479R1-03 (12/04) CNAD2105-019290 343189 10.2000 L $ 580.36 $ 1 10.20 251.4140 L $ 25.9200 $ 6,516.65 566.1850 L 25.3000 14,324.48 C2 429.9380 L 45.8100 19,695.46 N to 0 0 0 N CO) F'S EX IBIT 2715 $4PLAINTIF1,1 C%lc,>? IC5 SCHWAB Account Statement Roth Conversion IRA Retain for Your Records Account Number: 5399-6461 Statement Period: October 1, 2007 to October 31, n2007 e 2 Page 2 Trans V erring Balance (XI) 10/15 Interest Paid (X,Z) BANK INTEREST Total Activity $ 0.00 Ending Balance ry 71 Deposit Accounts. Interest rate as of 10/31 was 0.75% $ . Your interest ped0d was 09116107 - 10/15?07. (Z) Contribution Summa Roth IRA 8 $ 0.00 Year to Date Total: $0.00 Income Summa Descri tion Deposit Accounts Interest $ 0.85 Total Income t-ootnotes For Your Account X Balances held at Charles Schwab Bank, N.A., member FDIC. 579.51 $ 0.85 $ 0.85 0.00 $ 10.74 10.74 Z Please note that the interest is paid for a period that differs from the Statement Period. Bank balances include any interest that Charles Schwab Bank, N.A. paid as indicated on the Deposit Accounts Activity page. Bank balances do not include an interest may have accrued during the Statement Period after interest is paid. The interest paid may include interest that accrued in the prior Statement Period. Y that 0 Dividends paid on this security will be automatically reinvested. For information on how Schwab pays its representatives, go to http://www.aboutschwab.com/schwabcorp/compensation.html. Please see "Footnotes for Your Account" section for an explanation of the footnote codes and symbols on this statement. ® 2004 Charles Schwab & C0-.1-. All rights reserved. Member SIPC. CRS 22640 (0001-0386) STP10479R1.03 (12104) CNAD2105-019290 343190 SCHWAB Account Statement Retain for Your Records Statement Period: October 1, 2007 to October 31, 2007 Last Statement: September 30 2007 Roth Conversion IRA Account Number: 5399-6459 31110-CNA00302-005331-SML-170503079008 87858 JOSEPH M LAUBACH CHARLES SCHWAB & CO INC CUST ROTH CONVERSION IRA 4902 CARLISLE PIKE # 314 MECHANICSBURG PA 17050-3079 Going paperless Is easy. Log on to: www.schwab.com/estatements uestions? Banking Inquiries: l Ca 80-800 435-9050 Account Opened In: 1998 Page 1 0 0 CA w w a 2 Change in value Summa M S Starting Account Value ?"'?¦ Transactions & Income This Period $ 2.03 Change in Value of Investments This Period $ 0.00 $ 0 00 Ending Account Value . M-See Change in Account Value Since 1/1/07 $ 2.03 $ (39,001.84) a Rate !l AA Depoounts: I nterest rate as of 10/31 (Z) 0.75% Quantity Account Value Summa Cash, Money Market, and Deposit Accounts Investments $ 2.03 Total Account value $ 0.00 2.03 •-•-"Qs Mal rke[, ana Deposit Accounts DEPOSIT ACCOUNTS (X,Z) Total Account Value $ 2.03 $ 2.03 Trans Balance I Enin_ gd_ balance (; Deposit Accounts: Interest rate as of 10131 was 0.75%. Total Activity Your interest period was 09/16177 - 10/1&0 7. (Z) $ 2.03 $ 0.00 $ 0.00 Please see "Footnotes for Your Account" section for an explanation of the footnote codes and © 2004 Charles Schwab a Co..lnc. All rights reserved. Member SIPC. CRS 22840 (0001.0388) STP10479R1-03 (12/04) CNA00302-005331 87858 PLAINTIFF'S EXHIBIT $ 2.03 A7¦ 0 0 0 0 0 w w w J O O N (%1(4'a '/e,SSCHWAB Account Statement Roth Conversion IRA Retain for Your Records Account Number: 5399-6459 Statement Period: October 1, 2007 to Octob 3 er 1, 2007 Pa e 2 Contribution Summa Roth IRA $ 0.00 $ 0.00 Year to Date Total: $0.00 $o.oo Distribution Summa Year to Date Distribution Summary Roth Prem ross A unt Fede I Tax Withh d $ 42,976.85 $ 0 00 ate Tax held r Eami . Year to Date Total: 0.00 Ne A ount , $ 0.00 $ 42,976.85 ; 42,976.85 $ 0.00 $0 100 . $ 0.00 ' ; 42,976.85 Income Summa Descri tion Deposit Accounts Interest $ 8.44 Total Income $ 0.00 $8.44 Footnotes For Yeur err-ir- -6 X Balances held at Charles Schwab Bank, N.A., member FDIC. Z Please note that the interest is paid for a period that differs from the Statement Period. Bank balances include an interest Charles Schwab Bank, N.A. paid as indicated on the Deposit Accounts Activity page. Bank balances do not include any interest that may have accrued during the Statement period after interest is paid. The interest paid may include interest that accrued in that Statement Period. e prior For information on how Schwab pays its representatives, go to http://www.aboutschwab.com/schwabcorp/compensation.html. 02004 Charles Schwab 6 CO..lnc. All rights reserved Member SIPC. CRS 22840 (0001-0388) STP10479R1-03 (12/04) CNA00302-005331 87859 l7 7 j:- v cnanes smw" Account Statement Retain for Your Records Statement Period: October 1, 2007 to October 31, 2007 Last Statement: Se tember 30 2007 Simplified Employee Plan Account Number: 4271-6309 31/10-CNA00302-005328-8ML-170503079006 87846 JOSEPH M LAUBACH CHARLES SCHWAB & CO INC CUST SEP-IRA 4902 CARLISLE PIKE # 314 MECHANICS13URG PA 17050-3079 GolnB Paperless Is easy. Lop on to: www.schweb. conVestatements Banking Inquiries /Call1-800-435-9050 Account Value Summa Cash, Money Market, and Deposit Accounts Investments $3 8.og Tots ccount slue $ 10,176.55 . Cash, Money Market, and Deposit Accounts DEPOSIT ACCOUNTS (X,Z) Account Opened in: 2000 Page 1 o° to N C an a in Valu Summarv 0"M Starting Account Value 40100000 Transacfjons & Income This Period Change In Value of Investm t T $ 21,140.72 $ (1 .60) IN= en s his Period Ending Account Value $409 $ 409.52 Change in Account Value Since 1/1/07 $10,564.84 $ 2,091.16 a=iWA ?.r. Rate 111111, Deposit Accounts: Interest rate as of 10/31 (Z) 0.75% Z Quantity . ? Investments $ 388.09 MANAGERS AMG ESSEX LG 0 CAP GROWTH FD CL A MGCAX 59.7450 L $ 35 9700 THIRD AVENUE VALUE FUND 0 . $ 2,149.03 TURNER MID CAP GROWTH 0 TAVFX 70.3540 L 68 0400 It FUND INVESTOR CLASS . TMGFX 87.1370 L 37 1900 4,786. . 3,240.63 63 00 Total Account Value 0 4J1 N $ 10,564.64 0 Transaction Detail N Settle Trade r Date r j . IP-11 )n Cash, Money Market, and Deposit Accounts Activity o 10/09 10/09 Funds Paid i 10/16 10/15 Bank Interest (X,Z) IRA PREMATURE DSTRIB 1 BANK INT 091607-101507 $ (11,000.00) 14.40 Please see "Footnotes for Your Account" section for an explanation of the footnote codes and 02004 Charles Schwab & Co.,inc. AM rights reserved. Member SIPC. CRS 22840 (0001-0386) STP10479Rt-03 (12104) CNA00302-m-rn" A a 4 1 P. charlo'fSCHWAB Simplified Employee Plan Account Number: 4271.6309 Account Statement Retain for Your Records Statement Period: October 1, 2007 to October 31, 2007 Trans 10/10 Auto Transfer BANK TRANSFER TO BROKERAGE s 373.68 10/15 Interest Paid (X,Z) BANK INTEREST $ 11,000.00 $ 14.40 Total Activity $ 11,000.00 $14.44 Ending Balance , $ 388.09 Deposit Accounts: Interest rate as of 10/31 was o. 75%. Your Interest penbd was 0911&07 - 10/1&V7. (Z) Contribution Summa Rollover $ 0.00 $ 51,305.79 Year to Date Total: $0 00 . $51,305 79 Distribution Summa Year to Date Distribution Summary Premature $ 41,000.00 $ 0.00 Premature-Exception 10,000.00 0 00 $ 0.00 $ 0.00 $ 41 000 00 . 0.00 , . 0.00 10,000.00 Year to Date Total: $ 51,000.00 $ 0.00 $ 0 00 1 . 1$0.00 $51,000. Income Summa Descri t/on Deposit Accounts Interest $ 14.40 $ 80.70 Total Income $14.40 $80.70 X Balances held at Charles Schwab Bank, N.A., member FDIC. Please see "Footnotes for Your Account" section for an exp/ahatlon of the footnote codes and symbols on this statement. 02004 Charles Sdwreb a Co.,lnc. Aq rights reeenred. Member SIPC. CRS 22840 (0001-0388) STPJ0479R1-03 (12104) CNA00302-005328 87649 char sscxwAB Account Statement Retain for Your Records Statement Period: October 1, 2007 to October 31, 2007 Last Statement: Se tember 30 2007 Rollover IRA Qo/n Account Number: 5399-6455 g Paperless is easy. Log on to: Account Opened In: 1995 www.schwab.conVestatements Page 1 Ba king ?quldesal Can f-800?s3s-a !vn 31/10-CNA00302-005328-SML-170503079009 67652 JOSEPH MLAUBACH CHARLES SCHWAS & CO INC CUST rte' IRA ROLLOVER 4902 CARLISLE PIKE # 314 MECHANICSBURG PA 17050-3079 Account Value Summa Cash, Money Market, and Deposit Accounts Investments $ 1. 2 otal Account value $ 11,255.62 1, Cash, Money Market, and Deposit Accounts DEPOSIT ACCOUNTS (X,2) Investments INTL BUSINESS MACHINES 0 VIPER NETWORKS INC JANUS MID CAP VALUE FUND 0 INV CL SCHWAB PREMIER EQUITY 0 INVESTOR SHARES SUPERWIPES INC XXX REGISTRATION REVOKED BY THE SEC EFF 05/25/06 a 0 N m s Chan a In Value Summa Starting Account Value Transactions & Income This Period $ 11,219.41 Change in value of Investments This Peri od $ 0.00 $ 38 15 IN= Ending Account Value Change in Account Value Since 1/1/07 . $11,257.56 30 $ 1,454.36 0 ?92.w Rate Summa _ D eposit Accounts: Interest rate as of 10/31 (Z) e 0 75% . Quantity $ 1.94 IBM VPER 51.3298 L $ 116.1200 $ 5,960.42 JMCVX 2,200 59 9320 L L 0.0070 15.40 . 26.5600 1,591.79 c SWPNX 263.8060 L 13.9800 3 688 01 0 40,000 L N/A , . w N/A n 0 0 N 3 Total Account Value (excludes un priced securities $ 11,257.561 P/ease see "Footnotes for Your Account" section for an explanation of the footnote codes and symbols on ® 2004 Charles Schwab & Co.,inc. AN rights reserved. Member SWC. CRS 22940 (0001-0389) STP10479R1-03 (12104) CNA00302-005329 87652 cn2a e, scxwA B Rollover IRA Trans Account Statement Retain for Your a Statement Period: October 1, 2007 to October 31, 2007 007 Total Activity DeposJl Accounts: Interest rate as of 10/31 was 0.75%. Your Interest Period was 09/1"7. 10/1"7 Income Su Cash Dividends Total 0.00 $ 56.08 X Balances held at Charles Schwab Bank, N.A., member FDIC. Z Please note that the interest is paid for a period that differs from the Statement Period. Charles Schwab Bank, N.A. paid as indicated on the Deposit Acco Bank may have accrued during the Statement Period after Interest is paid. The interest paid may balances include any interest that statement Period. unts Activity Page. Bank balances do not include any interest that 0 Dividends paid on this security will be automatically reinvested. Y include Interest that accrued In the prior For information on how Schwab pays its representatives, go to http://www.aboutschwab.co m/schwabcorp/comPensation. html. Please see "Footnotes for Your Account" section for an "Planation of the footnote codes and 02004 Charles Schwab & Co.,tnc. An rights reserved. Member SIPC. CRS 2zea0 pool-03eei stP10479Rt-03 ('2/04' symbols on this statement. CNA00302.005329 87853 Year to Date Total: 0 $ 0.00 $0.00 W charle-sscxwAB Account Statement Retain for Your Records Statement Period: July 1, 2007 to September 30, 2007 Last Statement: June 30 2007 Rollover IRA Account Number: 5399-6437 28/09-PN8M2104-014743-SML-170552172000 255444 -1.2 LISA A LAUBACH CHARLES SCHWAB & CO INC CUST IRA ROLLOVER 3920 RIDGELAND BLVD MECHANICSBURG PA 17055-2172 G0/n9 PBP@r/ess Is easy. Log on to: wwW.schweb.com/estatements 6ankl g InqulNes: Call 1 0-4339050 Account Opened In: 1995 Page 1 O 16 V MOM 910010000 Chan a in Value Summa WN SEEM Starting Account Value Transactions & Income This Period $ 5,022.30 Change in Value of Investments This Period Ending Account value $ 0.00 $(54'77) am Change in Account Value Since 1/1/07 $ 4,967.53 $ 294.01 . OW , Rate Summa Deposit Accounts: Interest rate as of 09/28 (2) Schwab MMF 1.80% - 414°Ye ;, now Quantity Account Value Summa Cash, Money Market, and Deposit Accounts Investments $ 1.28 otal ccount alue $ 4,966.25 67. Cash, money market, and Deposit Accounts SCHWAB MONEY MARKET FUND Investments VIPER NETWORKS INC JANUS MID CAP VALUE FUND 0 INV CL SCHWAB PREMIER EQUITY 0 INVESTOR SHARES SUPERWIPES INC Xxx REGISTRATION REVOKED BY THE SEC EFF 05/25/06 SWMXX VPER JMCVX SWPNX Total Account Value 1.2800 L $ 1 $ 1.28 2,200 L $ 0.0060 59.9320 L $ 13.20 26.1500 1,567.22 , 34,500 248.7750 L 0 13.6100 3,385.83 0 N/A A A W O ,a N excludes unpriced securities) < Please see "Footnotes for Your Account" section for an explanation of the footnote codes and symbols o p?INTIF?'. 02004 Charles Schwab & CO-Ac. All rights reserved. Member SIPC. CRS 22840 (0001-0388) STP10479R1-03 (12104) & PN9M2104-014743 2554" Fy ,. 8r N/A L $ 4,967.53 charksscxwaB Account Statement Rollover IRA Retain for Your Records Account Number 5399-6437 Statement Period: July 1, 2007 to September 30, 2007 Trans Total Activity $ 0.00 $ 0.00 Dep O Accounts: interest rate as of 09128 was 1.80%. Your Interest period was 0811"7 _ 09115107 (Z) 0.00 X Balances held at Charles Schwab Bank, N.A., member FDIC. u.uu Z Please note that the interest is paid for a period that differs from the Statement Period. Bank balances Include Charles Schwab Bank, N.A. paid as Indicated on the Deposit Accounts Activity page, Bank balances do not Include any Interest that may have accrued during the Statement Period after interest is paid. The interest paid may include interest that accrued In that Statement Period. 0 Dividends paid on this security will be automatically reinvested. din the prior For information on how Schwab pays its representatives, go to http:/Avww.aboutschwab.com/Schwabco /compern rP satlon.html. Please see "Footnotes for Your Account" section for an explanation of the footnote codes and symbols on this state 02004 Charles Schwab 8 CO.,Inc. All rights reserved. Member SIPC. CRS 22840 (0001-0388) "10479R1-03 (12/04) ment. PNgM2104-014743 255445 W Lisa Lambert IMARK TSRC MANAGEMENT CORP 12140 Woodcrest Exec Dr, #300 St Louis, MO 63141 Technisource 401(k) Savings Plan ' 822600010 000269 000269 0101 0821MK Joseph M.Laubach 3920 RIDGELAND BLVD MECHANICSBURG, PA 17050 Your Account Su m mary Beginning Balance This Period Year to Date Employee Contributions $54,159.65 $50,595.67 Employer Contributions 0.00 0.00 Distributions 0.00 0.00 Transfers & Other -51,305.79 -51,305.79 Gain/Loss 0.00 0.00 Ending Balance -2853-86 710.12 *U.00 $0.60 Vested Balance -5.27% 1.40% Since Inception 01/18/2001 7.06% fff This statement gives a snapshot of your investments as of the end of the last calendar quarter. You can see your investment performance every day through the plan website at www.millimanonline.com. Hotline: (800) 977-7239 Web: www.millimanonline.com tion 00 technisource Change In Value This Quarter: _$54,159.65 Hire Date: 09/01/1998 Participation Date: 09/01/1998 Employee Pre-Tax % ROTH 401() Contribu lor QUARTERLY STATEMENT July 1, 2007 - September 30, 2007 Account Value: $000 Your Account Growth i $54,159.65 $43,327.72 $32,495.79 $21,663.86 $10,831.93 $0.00 09/30/06 $0.00 $0.00 Your Personal Performance This Period Year to Date PLAINTIFFS F?CI.1 IT 12131/06 03/31/07 06/30/07 09/30/07 Investment - "" W, 0"are Ending Existing Allocation Shares Price Balance Allocation Dodge & Cox Balanced 15.00% 0.000 $88.86 ® Davis W Venture A 40.00% 0.000 $0.00 0.00% Hotchkis and Wiley Mid-Ca Valu 45.00% 0.000 41.28 27.71 0.00 0.00% Account Total .71 0.00 0.00% 100.00'16 $0.00 0.00% Part"Pant: Joseph M. t,aubach July 1, 2007 - Scplcnther 30, 2007 Contribution Source Beginning Employee I're- Balance Contributions Distributions tax $42Z?Z 055.83 Ember Matching 82 $000 -$39,839.68 Total ?0.00 -11.466 11 Other Activity Investment Ending Vested Vested Gain/Loss $0.00 Balance Balance 96 -$2 216 15 0.00 , . $0.00 -637.71 „ __ $0.00 100% investment Ticker Beginning Endin "' Annualized Return Capital Pros". Current Quarter Year Date to Hce Schwab Retirement Advtg Money Fund Symbol Share Price Share P I Year 3 Years 5 Years 10 Years Fixed Income $1.0000 $1.0000 1.25% o PIMCO Total Return D 3.72% 5.01% 3.86% 2.63% 3.59% Balanced PTTOX $10.1600 $10.4900 Dodge & Cox Balanced 4.50% 4.71°,6 5.5996 4.08% 4,679% Large-cap. DODBX $90.0100 $88.8600 N/A Davis NY Venture A -0.63% 4.68% 9.83% 11,1696 13.75% 10.18% Schwab Venture 500 Index e.5h NYVTX $41.4100 American Funds In Fund of Amer R4 SWPEX $23.3500 21.2800 -0,31% 7.17% 15.36% ° RGAEX $23.8300 2 06% 14.12 /0 16.80% 8.30% S&P Grth Mm?ap. $35.6600 $37.2300 9.11 1% 16.37% 13.02% 15.26% 6.35% Hotchkis and Wiley Mid-Cap Value I 4.40% 13.99% 21.37°? 16.54% 18.10% Small-csp. HWMIX $31.9900 N/A Managers Special Equity Managers MGSEX $27.7100 -13.38% -7.17% 0.19% 10.68% 21.24% 13.92% Intl $91.1200 $88.6700 -2.69% 6.88% 15.19% Templeton World A 12.23% 16.82% American Beacon Intl Equity Instl TEMWX $20.9400 $21.2300 846 % Other AMEX $26.2300 1.389'0 9.32% 18.65% 18.75% 19.49% Atlianz RCM Technology Instl $26.3200 0.34% 10.22% 20.81% 9.63% DRGTX 21.19% 23.93% 9.63% $46.2300 $51.9200 12.31% Performance shown is net of mutual fund expenses but before an a l charges. Returns ath include 25 the sources are be .08% 36.9996 dividend ns distributions. Historical performance does not 20dends 26 and .32% capital gains Howev er, Milkman, Inc. cannot guarantee the complete accuracy of aliperformance info guarantee future results. Fund performance is gathered from sources that are believed to be reliable. this statement. If you believe any of the 75360-1524 within 30 days of receiving Y mation. Please take time to review the information contained in Y data is incorrect, please provide written notice to Benefit Processing se g Center , PO BOX 601524 Dallas, TX, www.millimanonline.com. your statement. If ou have questions about your account or investment options, logon to . Or call the Milliman Benefit Service Center any time at (800 977-7239. Page 2 of 2 Investment Beginning Dodge 8 Cox Balanced Balance Contributions Distributions Other Investment Ending $7,461.11 Transfers Activity Gain/Loss Davis NY Venture A $0.04 -$7,3 Balance 16.05 Hotchkis and Wile Mid-Ca Value I 21'099.22 0.00 -20,390.99 $0.00 $0.00 -$145.06 Total Account Value 25 599.32 D.00 0.00 0,00 -708.23 $0.00 ?64,1?.@Ei -23 598.75 0.00 sB.oo -5?1. _?t, . ° 00 0.00 -2.00o .r,7 lrlvc*Slo", ,Seq-Vice ('elder - Suuultauy LJ Nationwide- On Your Skis Sum The Best of America® IV Contract Information Owner: JOSEPH M LAUBACH Annuitant: JOSEPH M LAUBACH Address: 4902 CARLISLE PIKE a 314 City, State, ZIP: MECHANICSBURO PA 170503079 Investment JOSEPH DEMURO Professional: Current Account Value: As of 11/2812007 I Previous Account Values Select Date: Account Value: Personal rate of return (as of 10431f2007) since 08/09/1996 (annualized) What's rate of return got to do with your investment decisions? It doesn't tell the whole story. read more Contract: 013236987 Issue Date: 08108/1616 Tax Market: NON-QUALIFIED MARKET Quarter-end Summary !)6/302007 Value: Contributions: Withdrawals & Fees: Earnings & Losses: 09/302007 Value: Click a value to view details. View Your Last Quarterly Statement Want to know how you're doing? 7.4% 4• •• • Stay on top of your investment performance with personal rate of return. Thinking about the V lv word yet?' Check you R•Spore+M to fee N you'ro ttiilkl? Recent Transactions Previous 30 Days I Previous 60 Days I Previous 90 Days We're sorry. Recent transaction data isn't available right now. I $63,276A81 $0.00 ($30.00) $2,872.68 $88,819.13 I Only transactions completed prior to the previous market close will be displayed. The lesser of 10 IT or 90 days of history is displayed. software for free. To view Portable Document Format (PDF) files, you need to have Adobe Acrobat Reader version 4.0 or higher. Click the logo to download the eer Ad,•(,, Reader - to top Copyright ®1998-2007 Nationwide Mutual Insurance Company and Affiliated Companies. All Rights Reserved Additional Legal Terms Annuity and life Insurance products are Issued by NatlorrMde Life Insurance Company or Nationwide Life and Annuity Insurance Co Columbus, OH. Unless otherwise noted, the general distributor is Nationwide Investment Services Corporation Nationwide Investment Svcs. Corporation). Trust Company, Programs and services are provided ust , member FINRA (in MI only: by Nationwide Trust Company, FSB. This portion of our Web site is made available as a service only to purchasers of products or users of services (collectively referred as "Nationwide products') issued or provided by Nationwide. Electronic Service Agreement PLAINT FFI S U NIBIT https: //i sc. nwservicecenter. corn/iApp/isc%md/AppLogic+IAAcetSummary Page I of, I $64,681.77 View Fund Details 11/23/2007 $C>3,218.45 11/29/2007 T BEST OF A?MERK; * * IV Customer JOSEPH MLAUBACH 4902 CARLISLE PIKE 314 MECHANICSBURG PA 17050-3079 Account Information Contract Number: 01-3236987 Contract Issue Date: 08109/1996 Annuitant: JOSEPH M LAUBACH Plan Type: Non-Qualified Annuity S Account Summary Quarterly Statement Jul 1, 2007 to Sep 30, 2007 Contract Number: 01-3236987 You can now get confirmations from us electronically. It's a fast, simple and secure way to be hassle free... and save a tree. Visit nationwide.com/login today. Contract Value Is $65,819.13 Your Investment Professional JOSEPH DEMURO JEFFERSON PILOT SECURITIES CORP 800 CORPORATE CIR STE 106 HARRISBURG PA 17110-9346 Nationwide Life Insurance Company P O Box 182021 Columbus OH 43218-2021 24 hr. Automated Information Line: (800) 848-6331 Customer Service: (800) 848-6331 Hearing Impaired: (800) 238-3035 Internet: www.nationwide.com/login Beginning Date Quarter-To-Date Year-To-Date 07/01/2007 01/01/2007 Inception-To-Date Beginning Contract Value $63 276 45 08/09/1996 Purchase Payments , . $57,028.91 $ 00 $.00 Withdrawals/Charges Annuity Performance . ($30.00) ($30.00) $.00 $2572 68 $31,000.00 ($330.00) Ending Contract Value 05 of 09/30/2007 $8.820 22 $35 149 13 Please review the information In this st t $65,819.13 $65,819.13 $65,819.13 a ement carefully. Inaccuracies or discrepancies should be promptly reported to Nationwide In writing. Please be advised that any oral communication should be re-confirmed in writing. You may contact our Cust Center at the telephone number or mailin dd S g a re ss listed at the top of this statement. omer ervice Benefit Election S Death Benefit -Enhanced: Greater of Contract Value or Purchase Payments As of 09/30/2007 Death Benefit Value $65,819.13 The Value of the Death Benefit is subject to change. See the contract and/or prospectus under section titled "Death Benefit Payment" for additional Information. Variable Account S Investment Option CR SUISSE INTL FOCUS PORT FID VIP GROWTH PORT WFAVTF ADV OPPORTUNITY VT Total Beginning-of-Quarter Quarter-To-Date ° Value Payments Withdrawals Unit Value o UnitsrtOwned $15,362.56 $18,951.58 $28,962.31 $63,276.45 $.00 ($7.26) 18.37759 870.56697 ($9.30) 78.59984 266.32987 13.44) 57.37454 503.47604 ($30.00) Value $15,998.93 $20,933.49 $28,886.71 $65,819.13 1304ON 00 ID 013236987 OOOOOOOa10000008)0880133)0880133 0003e6411 Page 2 of 6 Quart Statment Jul 1, 2007 to Sep 30e, 2007 Contract Number: 01-3236987 Purchase Payments/Credits from 07/01/2007 th rough 09/30/2007 Transaction Investment option Date Type Dollar Amount Unit Fund Value Units or Credited NO TRANSACTIONS Rate Withdrawals/Charges from 07/01/2 007 through 09/30/2007 Date Transaction investment option Type 4 4 Dollar Amount Unit ;., 08/09107 ADMIN FEE Value Fund Unit FID VIP GROWTH PORT $ s CR SUISSE INTL FOCUS PORT ($9.30 ) 72.27686 WFAVTF ADV OPPORTUNITY VT ($7 26) 1727115 (• 12867) ($13.44) 55.29094 ( •42035) (.24307) o Transfers from 07/01/2007 th rough 09/30/2007 Transaction Investment Option Date Type D ollar Unit Amount Fund Value Units or Credited NO TRANSACTIONS Rate Your Future Contributions Will be Applied As Follows investment option Future contributions FID VIP GROWTH PORT NW NVIT MNY MKT CL 1 % WFAVTF ADV OPPORTUNITY VT 333% 33% Total: 100% 804ON 00 ID 013236987 00000003)0000008)0880130680134 020800388411 Page 3of6 t I'le ? SCHWAB Acc ount Statement Retain for Your Records Statement Period: October 1, 2007 to October 31, 2007 Last Statement: Se tember 30 2007 Schwab One@ Account Account Number: 5399-6457 Going paperless is easy. Log on to: Account Opened In: 1995 www.schwab.com/estatements Page 1 Questions? Call 1-800-435-9050 Banking Inquiries: Call 1-800-435-9050 31110-CNA00302-005330-SML-170503079008 87855 JOSEPH M LAUBACH & ? Z MR-0- LISA A LAUBACH JT TEN c 4902 CARLISLE PIKE # 314 w MECHANICSBURG PA 17050-3079 c Account Value Summa Chan a in Value Summa Cash, Money Market, and Deposit Accounts Margin Loan Balance $ 0.00 Starting Account Value $ 7 545 10 Investments $ (13,707.24) Transactions & Income This Period $ 20,824.51 Change in Value of Investments This P i d , . $(128.17) Total Account Value er o 7, 17.27 Ending Account Value $ (299.66) Change in Account Value Since 1/1/07 $ 7,117.27 $ (10,145.50) Total Funds Available: Cash + Margin Rate Summa _ Available to Withdraw Securities Securities Buying Power $ 850.00 Deposit Accounts: Interest rate as of 10/31 (Z) 2 834 00 0.75% - , . Margin Loan Rate as of 10/29 10.25% Investment Detail Description Quantity b l S Investments vm o I n/Ch.,.+ Pnce Marl?et Value BIOMAGNETICS DIAGNOSTICS BMGP 4 L $ 0 1400 INTL BUSINESS MACHINES (M) 0 . IBM L 179.1987 116 1200 $0.56 VIPER NETWORKS INC . VPER 2,200 L 0 0 20,808.55 5 SUPERWIPES INC XXX REGISTRATION REVOKED BY . N/A 107,000 ,000 L N/A 15.40 N/A THE SEC EFF 05/25/06 0 0 Less: Margin Loan Outstanding $ (13,707.24) 0 ° Total Account Value (excludes unpriced securities) $7 117.271 Cnn UP w 0 , o Transaction Detail 0 N rn Settle Trade Date Date Transaction Descrintlon Cash, Money Market, and Deposit Accounts Activ Quantity ity Pnce Total 10130 10/30 Margin Interest INTEREST 09/27THRU 10/29 $ (128.17) Please see "Footnotes for Your Account" section for an explanation of the footnote codes and symbols on ® 2004 Charles Schwab & Ca.,Mc. All rights reserved. Member SIPC. CRS 22840 (0001-0388) STP10479RI-03 (12104) CNA00302-005330 87655 c?? ne.,?SCHWAB Account Statement Retain for Your Records Schwab One@ Account Statement Period: October 1, 2007 to October 31, 2007 Account Number: 5399-6457 Pa e 2 Charles Schwab Bank N.A. Deposit Accounts Activity Trans Date Transaction DeSrrintlnn INlihdrawai Depocu O nin Balance z 0.00 Total Activity $ 0.00 $ 0.00 Endin Balance $ 0.00 Deposit Accounts. Interest rate as of 10131 was 0.75%. Your interest period was 09116107 - 10115107. (Z) Income Summa Description Thic Parinrt Year to natea Federally Taxable Deposit Accounts Interest $3.88 Cash Dividends 195.80 Total Income $ 0.00 $ 199.68 Interest Paid on Margin Loan During Current Period $ (128.17) Interest Paid on Margin Loan Year to Date $ (591.07) Certain margin loan Interest may be deductible; consult your tax advisor. 09127 through 10129: $128.17 based on 10.250% margin interest rate charged on average daily balance of $(13,639.35). Footnotes For Your Account X Balances held at Charles Schwab Bank, N.A., member FDIC. Z Please note that the interest is paid for a period that differs from the Statement Period. Bank balances include any interest that Charles Schwab Bank, N.A. paid as indicated on the Deposit Accounts Activity page. Bank balances do not include any interest that may have accrued during the Statement Period after interest is paid. The interest paid may include interest that accrued in the prior Statement Period. (M) Denotes a marginable investment. Dividends paid on this security will be automatically reinvested. For information on how Schwab pays its representatives, go to http://www.aboutschwab.com/schwabcorp/compensation.html. Please see "Footnotes for Your Account" section for an explanation of the footnote codes and symbols on this statement. ® 2004 Charles Schwab 6 Co.,lnc. All rights reserved. Member SIPC. CRS 22640 (0001-0386) STP10479R1-03 (12104) CNA00302-005330 87656 r-. "'? ? 1 :; --# ? ?.. > _ r ' - t.A? ?? Q ' "i 1 .? rJ ?-? .',:: { ?:_ -. - - _, .. _ _? ?! s"`v ?? ? "6 ... 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JOSEPH M. LAUBACH, Plaintiff VS. LISA A. LAUBACH, Defendant No. 2005-6300 No-Fault Divorce under 53301(c) or 53301(d) WAIVER OF NOTICE OF INTENTION TO REQUEST ENTRY OF A DIVORCE DECREE UNDER §3301(c) OF THE DIVORCE CODE 1. I consent to the entry of a final decree of divorce without notice. 2. I understand that I may lose rights concerning alimony, division of property, lawyer's fees or expenses if I do not claim them before a divorce is granted. 3. I understand that I will not be divorced until a divorce decree is entered by the Court and that a copy of the decree will be sent to me immediately after it is filed with the Prothonotary. VERIFICATION I verify that the statements made in this Affidavit are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. §4904 relating to unsworn falsification to authorities. Date: 311-71_Z0049 77i-oseph M. Laubach, Plaintiff =1 C," -i IN THE COURT.OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JOSEPH M. LAUBACH, Plaintiff VS. LISA A. LAUBACH, Defendant No. 2005-6300 No-Fault Divorce under §3301(c) or §3301(d) AFFIDAVIT OF CONSENT 1. A Complaint in Divorce under §3301(c) of the Divorce Code was filed on December 8, 2005. 2. The marriage of the Plaintiff and Defendant is irretrievably broken and ninety days have elapsed from the date of filing and service of the Complaint. 3. I consent to the entry of a final decree of divorce after service of Notice of Intention to Request Entry of the Decree. VERIFICATION I verify that the statements in this Affidavit are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. §4904 relating to unsworn falsifications to authorities. 3 / i '7 I Z aS• ??????`? Date: Joseph M. Laubach, Plaintiff Q cn `x C? °C IN TEE COURT OF COMMON !LEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JOSEPH M LISA A. 1. A filed on 2. T broken an of the Cc 3. I of Notice LAUBACH, No. 2005-6300 Plaintiff VS. UBACH, No-Fault Divorce under Defendant 53301(c) or 53301(d) AFFIDAVIT OF CONSENT :omplaint in Divorce under §3301(c) of the Divorce Code was cember 8, 2005. marriage of the Plaintiff and Defendant is irretrievably ninety days have elapsed from the date of filing and service ,laint. onsent to the entry of a final decree of divorce after service ?f Intention to Request Entry of the Decree. VERIFICATION I ve?ify that the statements in this Affidavit are true and correct. I unders and that false statements herein are made subject to the penalties of 18 Pa. C.S.A. §4904 relating to unsworn falsifications to authorities. v Date: o a(x isa A. Laubach, Defendant ? ? s < ?,,, re ? ? -? ., Cr? . -, , ? '? - , x>??. ?;;. _._ ? ? ?? ?. ;? t c? -- y a ? ? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JOSEPH M. LAUBACH, No. 2005-6300 Plaintiff VS. LISA A. L UBACH, No-Fault Divorce under Defendant §3301(c) or 93301(d) WAIVER OF NOTICE OF INTENTION TO REQUEST ENTRY 0 A DIVORCE DECREE UNDER 3301 c OF THE DIVORCE CODE 1. I consent to the entry of a final decree of divorce without notice. 2. I understand that I may lose rights concerning alimony, division of property, lawyer's fees or expenses if I do not claim them before a divorce i granted. 3. I understand that I will not be divorced until a divorce decree is entere by the Court and that a copy of the decree will be sent to me immediate y after it is filed with the Prothonotary. VERIFICATION I verify that the statements made in this Affidavit are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. §4904 relating to unsworn falsification to authorities. _& __I Date : y 0 AI . Gr Lisa A. Laubac , Defendant gn 03 JOSEPH M. LAUBACH, Plaintiff VS. LISA A. LAUBACH, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 05 - 6300 CIVIL IN DIVORCE THE MASTER: Today is Wednesday, April 9, 2008. This is the date set for a conference with counsel and the parties. Present in the hearing room are the Plaintiff, Joseph M. Laubach, and his counsel Victor A. Neubaum, and the Defendant, Lisa A. Laubach, and her counsel Douglas G. Miller. This action was commenced by the filing of a complaint in divorce on December 8, 2005, raising grounds for divorce of irretrievable breakdown of the marriage. The Master was previously provided an affidavit of consent and a waiver of notice of intention to request entry of divorce decree signed by husband. The affidavit and waiver were signed on March 17, 2008, and filed with the Prothonotary on March 19, 2008. Mr. Miller has just provided the Master with a signed affidavit and waiver of notice of intention to request entry of divorce decree executed today by his client. The documents will be filed by the Master's office with the Prothonotary. The divorce can, therefore, conclude under Section 3301(c) of the Domestic Relations Code. 1 On September 6, 2007, the Defendant filed an amended complaint raising the economic claim of equitable distribution. Although wife characterized her filing as an amended complaint wherein she raised a claim of equitable distribution, the Master notes that perhaps the proper filing would have been a counterclaim or a petition raising economic relief since wife did not file the original complaint. In any event, the claim of equitable distribution is before the Master. No claims have been raised by either party for alimony or counsel fees and expenses. The Master has been advised today that after considerable negotiations, the parties have reached an agreement with respect to the outstanding economic issue of equitable distribution. An agreement is going to be placed on the record in the presence of the parties. The agreement as placed on the record will be considered the substantive agreement of the parties, not to subject any changes or modifications except for correction of typographical errors which may be made during the transcription. The agreement is going to be transcribed and then sent to counsel for review for typographical errors. Otherwise, the agreement, with respect to the substantive issues, will be binding on the parties when they leave the hearing room today. The parties will be asked to sign the 2 agreement after it has been presented to their counsel and any typographical corrections have been made. The signing of the parties is an affirmation of the terms of the agreement as stated on the record. As noted, the parties are bound by the agreement when they leave the hearing room after the recitation of the agreement on the record. The parties were married on October 4, 1986, and separated September 4, 2005. They are the natural parents of three minor children who live with the wife. Mr. Neubaum. MR. NEUBAUM: I just wanted to point out for the Master's benefit that on counsel's motion for appointment of Master, he did list equitable distribution of marital assets, costs and expenses, and counsel fees, issues for which the Master would then be appointed. THE MASTER: Unless there is a pleading filed requesting that relief, the Master is not bound to consider claims simply raised in the motion only. Thank you for pointing that out. MR. NEUBAUM: 1. The house at 3920 Richland Boulevard, Mechanicsburg, Pennsylvania, currently jointly titled is awarded to the wife. Husband will sign a deed conveying his interest to the wife. That. deed will be held by wife's attorney pending wife's refinancing of the principal mortgage and a second mortgage in her name to be accomplished within ninety (90) days. 2. The Windstar automobile is awarded to the wife. The 3 Lexus automobile is awarded to the husband. Titles to each automobile are held jointly but without lien. The parties agree that they will present themselves at an appropriate facilitator and place a title to each automobile in that parties' name. (Whereupon, a discussion was held off the record.) MR. NEUBAUM: 3. The Schwab traditional IRA account ending 6437 is awarded to the wife. 6461 IYAl o . 4. The Schwab Roth IRA ending 64-8-? is awarded to the wife. 5. The proceeds of the AmeriChoice checking and savings accounts, when closed, account ending 23341 is awarded to the wife. 6. The contents of the house are awarded to the wife with exceptions as will be agreed to between the parties. Husband will remove those items within thirty (30) days of today. 7. The Schwab One account ending 6457 and jointly titled is awarded to the wife. Value is determined on the date of the assignment without withdrawal and conditioned on husband paying in full a current margin loan so that the account is free of any lien or encumbrance when assigned. The margin loan is presently in the approximate amount of $13,000.00. 8. Husband is awarded all items of tangible personal property currently in his possession. 9. The Schwab Roth IRA ending 6459 is awarded to the husband. 10. The Schwab SEP IRA ending 6309 is awarded to the husband. 11. The Schwab traditional IRA ending 6455 is awarded to the husband. 12. The IntelliMark 401(k) account is awarded to the husband with the understanding that the valuation of that account is based on an amount prior to husband's withdrawals from that account. 13. The Nationwide Company annuity is awarded to the husband. 4 14. The parties agree that the Schwab custodial accounts are for the benefit of the children of the parties. Title to the accounts will remain as is. The parties agree that all of the monies are to be used for the benefit of the children. Husband will provide all statements on the accounts to wife at intervals of no less than six months or at any time upon request of the wife. 15. Wife will be entitled to claim all of the children for dependency exemption and tax credits now and forevermore. 16. The parties acknowledge that husband is and has been paying the sum of $800.00 per month for the support of all children. 17. The parties agree that if either side breaches any part of this agreement, that party will be responsible for reasonable attorney fees and costs incurred by the other party to enforce the agreement. 18. The parties agree that husband's counsel will be responsible for filing for the praecipe to enter the divorce decree. The timing of that will be by agreement but will be no later than thirty (30) days from today, provided the Master has been given a signed copy or an approved copy of the agreement by one of the parties. (Whereupon, a discussion was held off the record.) MR. NEUBAUM: 19. The transfers required by this agreement shall be done within thirty (30) days of the date of this agreement. It is understood, however, the parties have ninety (90) days to complete the transfer of the real estate. 20. Any other claims raised by the pleadings not otherwise disposed of herein are dismissed, which would potentially include alimony, temporary alimony, counsel fees, costs and expenses. 21. Except as herein otherwise provided, each party may dispose of his or her property in any way and each party hereby waives and relinquishes any and all rights he or she may now have or hereafter acquire under the present or future laws of any jurisdiction to share in the property or the estate of the other as a result of the marital relationship including without limitation, statutory allowance, widow's allowance, right of intestacy, right to take against the will of the other, and right to act as 5 administrator or executor in the other's estate. Each will at the request of the other execute, acknowledge, and deliver any and all instruments which may be necessary or advisable to carry into effect this mutual waiver and relinquishment of all such interest, rights, and claims. MR. MILLER: Lisa, you've been present for the reading of this agreement onto the record; is that correct? MS. LAUBACH: Yes. MR. MILLER: Do you understand the terms as they have been read on to the record? MS. LAUBACH: Yes. MR. MILLER: And are you in agreement with the terms of the agreement? MS. LAUBACH: Yes. MR. MILLER: Do you have any questions? MS. LAUBACH: No. MR. NEUBAUM: Mr. Laubach, you have similarly sat here and heard the terms of the agreement recited; is that correct? MR. LAUBACH: MR. NEUBAUM: terms and the significance settlement agreement? MR. LAUBACH: MR. NEUBAUM: Yes. Do you understand fully the thereof in connection with the Yes. And you had a full and fair 6 opportunity to talk with me the terms of the agreement? MR. LAUBACH: MR. NEUBAUM: terms of the agreement as s MR. LAUBACH: understand -- about the implication of any of Yes. Are you satisfied with the et forth? I am not quite sure I THE MASTER: Off the record. (Whereupon, a discussion was held off the record.) MR. NEUBAUM: I will ask you again, Mr. Laubach, have you had a full opportunity to have all your questions answered regarding the nature of this agreement and an opportunity to talk with me about that? MR. LAUBACH: Yes. MR. NEUBAUM: Are you satisfied with the terms of the agreement as set forth? MR. LAUBACH: Yes. THE MASTER: Thank you. I acknowledge that I have read the above stipulation and agreement, that I understand the terms of settlement as set forth herein, and that by signing below I ratify and affirm the agreement previously made and intend to bind myself to the settlement as a contract obligating myself to the terms of settlement and subjecting myself to 7 r the methods and procedures of enforcement which may be imposed by law and in particular Section 3105 of the Domestic Relations Code. WITNESS: DATE: Yk I hwe Victor A. Neubaum oseph M. Laubach Attorney for Plaintiff Or- g477G'61 E7- - s G. Miller ?-?I L a A. Lau ch Attorney for Defendant 8 a Mo -? HIM _ CO {{ ? o _u ? JOSEPH M. LAUBACH, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA VS. NO. 05 - 6300 CIVIL LISA A. LAUBACH, Defendant IN DIVORCE ORDER OF COURT AND NOW, this X94 day of 2008, counsel and the parties having entered into an agreement and stipulation resolving the economic issues on April 9, 2008, the date set for a conference with counsel and the parties, the agreement and stipulation having been transcribed, the appointment of the Master is vacated and counsel can conclude the proceedings by the filing of a praecipe to transmit the record with the affidavits of consent of the parties so that a final decree in divorce can be entered. cc: ? Victor A. Neubaum Attorney for Plaintiff ZDouglas G. Miller Attorney for Defendant 00P , *es LCL BY THE COURT, Q 11 Edgar B. Bayley, P.J. WO QCZ A _ *qx ?ryry tcy C? JOSEPH M., 1,AUBACH VS. LISA A. LAURACH IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL. DIVISION NO. 2005x-6300 CIVIL TERM PRAECIPE TO TRANSMIT RECORD To the Prothonotary: Transmit the record, together with the following information to the court for entry of a divorce decree: L Ground for divorce: Irretrievable breakdown under 3301 (c) )#) of the Divorce Code. (Strike out inapplicable section) 2. Date and manner of service of the complaint: AccePtance Of Service of Ca mlaint 12/14/05 by Atty. Douglas Miller; Defendant filed Amended Car(plaint on 9/6/07 3. Complete either paragraph (a) or (b). a. Date of execution of the affidavit of consent required by 3301 (c) of the Divorce code: by plaintiff 3/17/08 by defendant 4/9/08 b. (1) Date of execution of the affidavit required by 3301 (d) of the Divorce Code: (2) Date of filing and service of the plaintiffs affidavit upon the respondent: 4. Related claims pending: None. All issues resolved by Agreement before Master, entered May 13, 2008. Plaster apx?ointment vacated 5/19/08. 5. Complete either (a) or (b) a. Date and manner of service of the notice of intention to file praecipe to transmit record, a copy of which is attached: b. Date of plaintiffs Waiver of Notice in 3301 (c) Divorce was filed with the Prothonotary: 3/19/08 Date defendant's W 'ver of Notice in 3301 (c) ivorce was filed with the Prothonotary: ?I 6 tad lVt7A Attorney or Plaintiff Victor A. Neubaum 42 S. Duke Street York, PA 17401 717-843-8001 S.I.D. #29159 l: rn ?= uD ' > uc? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY STATE OF PENNA. *v-sePK L?1K8+1c.?t N 0. ZOOV - 6300 VERSUS DECREE IN DIVORCE AND NOW, ?Lvoz I o IT IS ORDERED AND DECREED THAT 4isep 6 144140 , PLAINTIFF, AND Z1jYy .4 1,414444 ARE DIVORCED FROM THE BONDS OF MATRIMONY. THE COURT RETAINS JURISDICTION OF THE FOLLOWING CLAIMS WHICH HAVE BEEN RAISED OF RECORD IN THIS ACTION FOR WHICH A FINAL ORDER HAS NOT YET BEEN ENTERED; PROTHONOTARY 1'? ,ar? /142 °?- of