HomeMy WebLinkAbout06-0012Pan] J. Esposito, Esquire
LD. 425454
GOLDBERG KATZMAN, P.C.
320 Market Street
P. O. Box 1268
Harrisburg, PA 17108-1268
(717)234-4161,(717)234-4161 (facsimile)
LINDA C. LINSENBACH,
Plaintiff
V.
JEFFREY L. LINSENBACH,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. Q(?,-):,- /d Civil Term
CIVIL ACTION - LAW
IN DIVORCE
NOTICE TO DEFEND
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 with twenty (20) days after this
Complaint and Notice are served, by entering a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the claims set forth against you.
You are warned that if you fail to do so, the case may proceed without you and a judgment may
also be entered against you by the Court without further notice for any money claimed in the
Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or
property or other rights important to you.
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 at the Cumberland County Courthouse, Carlisle, Pennsylvania.
IF YOU DO NOT FILE A CLAIM FOR ALIMONY, DIVISION OF PROPERTY,
LAWYER'S FEES OR EXPENSES BEFORE 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 GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
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.
CUMBERLAND COUNTY BAR ASSOCIATION
32 Court Bedford Street
Carlisle, PA 17013
Telephone: (717) 249-3166
Paull- Esposito, Esquire
I D- #25454
GOLDBERG KATZMAN, P.C.
320 Market Steel
P. O. Box [268
Harrisburg, PA 17108-1268
(717) 234-4161; (717) 234-4161 (tacairnile)
LINDA C. LINSENBACH,
Plaintiff
V.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 2ez' & - /-?- Civil Term
JEFFREY L. LINSENBACH, CIVIL ACTION-LAW
Defendant IN DIVORCE
WAIVER OF COUNSELING
LINDA C. LINSENBACH, being duly sworn according to law, deposes and says:
I have been advised of the availability of marriage counseling and understand that
I may request that the Court require my spouse and I to participate in counseling.
2. I understand that the Court maintains a list of marriage counselors in the Office of
the Prothonotary, which list is available to me upon request.
3. Being so advised, I do not request that the Court require that my spouse and I
participate in counseling prior to a divorce decree being handed down by the Court.
I verify that the statements made in this Waiver are true and correct. I understand that
false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to
unsworn falsification to authorities.
Date: l a
L D C. LIN NBACH
Paul 1. Esposito, Esquire
I.D. #25454
GOLDBERG KATZMAN, P.C.
320 Market Street
P. O. Box 1268
Harnsburg, PA 17108-1268
(717) 234-4161; (717) 234-4161 (facsnile)
Caunrel for 11oinlil7
LINDA C. LINSENBACH, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. NO. t)G - Civil Term
JEFFREY L. LINSENBACH, CIVIL ACTION - LAW
Defendant IN DIVORCE
COMPLAINT IN DIVORCE
Plaintiff, LINDA C. LINSENBACH, is an adult individual, who currently resides
at 1034 Dogwood Lane, Enola, Cumberland County, Pennsylvania.
2. Defendant, JEFFREY L. LINSENBACH, is an adult individual, who currently
resides at 33 S. Mont Drive, Enola, Cumberland County, Pennsylvania.
3. Plaintiff avers that she has been a bona fide resident in the Commonwealth of
Pennsylvania for a period of at least six (6) months previous to the filing of this Complaint.
4. The parties were married on September 8, 1979, in Duncannon, Perry County,
Pennsylvania.
There have been no prior actions of divorce or annulment filed by either of the
parties hereto.
6. Plaintiff has been advised of the availability of counseling and that Plaintiff has
the right to request that the Court require the parties to participate in counseling.
Plaintiff requests the court to enter a decree of divorce.
COUNTI
8. The averments of paragraphs t through 7 herein are hereby incorporated by
reference thereto.
9. The marriage is irretrievably broken.
COUNT II
10. The averments of paragraphs 1 through 9 herein are hereby incorporated by
reference thereto.
11. Plaintiff and Defendant have acquired property, during their marriage until the
date of their separation, which property is marital.
12. Plaintiff requests this Court to preserve her right to have all marital property of
the parties equitably distributed.
COUNT III
13. The averments of paragraphs 1 through 12 herein are hereby incorporated by
reference thereto.
14. Plaintiff requires reasonable support to adequately maintain herself.
15. Plaintiff requests this Court to preserve her right to seek an award of alimony
pendente lite and additional sums as may become necessary from time to time hereafter until
final hearing and permanent alimony thereafter.
2
COUNT IV
16. The averments of paragraphs 1 through 16 herein are hereby incorporated by
reference thereto.
17. Plaintiff has employed the firm of Goldberg, Katzman, P.C., as counsel but is
unable to pay the necessary and reasonable attorney's fees for said counsel.
18. Plaintiff requests the Court to allow her reasonable counsel fees, costs and
expenses as are deemed necessary and appropriate.
WHEREFORE, Plaintiff prays Your Honorable Court to:
a) Enter a Decree in Divorce, divorcing the Plaintiff from the bonds of
matrimony heretofore existing between Plaintiff and Defendant; and
b) Order equitable distribution of marital property; and
c) Order payment of alimony as the Court deems just and reasonable; and
d) Order payment of alimony pendente lite, counsel fees, costs and other
expenses as the Court deems just and reasonable; and
e) Order such other relief as the Court deems just and reasonable.
GOLDBERG KATZMAN, P.C.
Paul J. E00si?
Attorney I.D. 425454
320 Market Street
P.O. Box 1268
Harrisburg, PA
(717) 234-4161
(717) 234-6808
17108-1268
(facsimile)
Date: January 3, 2006 Attorney for Plaintiff
VERIFICATION
I verify that the statements contained in the foregoing COMPLAINT IN DIVORCE are
true and correct to the best of my knowledge, information and belief. I understand that false
statements contained herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating
to unsworn falsification to authorities.
Date: ! 9 o s
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Paul 1. Esposito, Esquire
LD.425454
GOLDBERG KATZMAN, P. C.
320 Market Street
P. O. Box 1268
Harrisburg, PA 17108-1268
(717)234-4161:(717)234-4161 (facsimile)
LINDA C. LINSENBACH,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
V.
JEFFREY L. LINSENBACH,
Defendant
NO. -?CC)(c U Civil Term
CIVIL ACTION - LAW
IN DIVORCE
PETITION TO SCHEDULE CONFERENCE TO CONSIDER
PLAINTIFF'S ALIMONY PENDENTE LITE CLAIM
AND NOW comes Plaintiff, Linda C. Linsenbach, by her attorneys, Goldberg Katzman,
P.C., and Paul J. Esposito, Esquire, and files this Petition for consideration of her alimony
pendente lite claim, as follows:
Plaintiff is Linda C. Linsenbach, who currently resides at 1034 Dogwood Lane,
Enola, Cumberland County, Pennsylvania.
2. Defendant is Jeffrey L. Linsenbach, who currently resides at 33 S. Mont Drive,
Enola, Cumberland County, Pennsylvania.
Plaintiff has filed, simultaneous herewith, a Complaint in Divorce and included
therein a Count for alimony pendente lite.
4. Plaintiff hereby petitions this Court to direct the Domestic Relations Section of
Cumberland County, Pennsylvania, to schedule a conference to consider Plaintiffs claim for
alimony pendente lite.
5. Defendant has filed a Complaint for child support against Plaintiff. A conference
is scheduled for Wednesday, January 18, 2006, at 8:30 a.m.
6 Plaintiff hereby requests that the Domestic Relations Section schedule the
conference on Plaintiff's alimony pendente lite claim for Wednesday, January 18, 2006, at 8:30
a.m., as well.
No Order has been entered with respect to Plaintiff's claim for alimony pendente
lite as of this time.
Attached to this Petition is the DRS Attachment for APL Proceedings, which is
made a part hereof and marked as Exhibit "A."
WHEREFORE, Plaintiff respectfully requests that this Honorable Court direct the
Domestic Relations Office to schedule a conference to consider her claim for alimony pendente
lite.
Date: tit 1(t'C?
Respectfully submitted,
GOLD ERG TZMAN, P.C.
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Attorney I.D?/#25454
320 Market Street
P.O. Box 1268
Harrisburg, PA 17108-1268
(717) 234-4161
Attorney for Plaintiff
:: ODMAIPCDOCS00CSV29810V 2
CERTIFICATE OF SERVICE
a'Ilt
On this 3i day of January 2006, I certify that a copy of the foregoing was served
upon the following counsel of record by delivering same in the manner indicated below,
addressed as follows:
VIA FIRST CLASS MAIL
Timothy J. O'Connell, Esquire
Turner and O'Connell
4415 N. Front Street
Harrisburg, PA 17110
GOLDBERG KATZMAN, P.C.
C-T?GL?? ` .? ? GG
Paul J. os'
Supreme Court ID #25454
Attorneys for Plaintiff
E.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
LINDA C. LINSENBACH,
Plaintiff
V.
JEFFREY L. LINSENBACH,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. Ok006 -1,k Civil Term
CIVIL ACTION - LAW'
IN DIVORCE
DRS ATTACHMENT FOR APL PROCEEDINGS
PETITIONER
NAME Linda C. Linsenbach
ADDRESS 1034 Dogwood Lane, Enola, PA
BIRTH DATE 10/1/59
SOCIAL SECURITY NUMBER 194-54-3918
HOME PHONE (717) 732-2100
WORK PHONE (717) 541-7532
EMPLOYER NAME Capital Blue Cross
EMPLOYER ADDRESS 2500 Elmerton Ave., Harrisburg, PA
JOB TITLE/POSITION Correspondence and Special Services
Manager
DATE EMPLOYMENT COMMENCED 1978
GROSS PAY $85,000.00 gross per year - approximate
NET PAY
OTHER INCOME n/a
ATTORNEY'S NAME Paul J. Esposito, Esquire
ATTORNEY'S ADDRESS Goldberg Katzman, P.C.
320 Market Street
P.O. Box 1268
Harrisburg, PA 17108-1268
ATTORNEY'S PHONE NUMBER (717) 234-4161
RESPONDENT
NAME Jeffrey L. Linsenbach
ADDRESS 33. S. Mont Drive, Enola, PA
BIRTH DATE 1/23/60
SOCIAL SECURITY NUMBER 207-52-0949
HOME PHONE (717) 728-7533
WORK PHONE (717) 302-3115
EMPLOYER NAME Hi hmark Blue Shield
EMPLOYER ADDRESS P.O. Box 890089, Cam Hill, PA 17089
JOB TITLE/POSITION Project Manager
DATE EMPLOYMENT COMMENCED 1990
GROSS PAY $106,934.00 gross per year - approximate
NAY
OTHER INCOME n/a
ATTORNEY'S NAME Timoth J. O'Connell, Esquire
ATTORNEY'S ADDRESS Turner and O'Connell
4415 N. Front Street
Harrisburg, PA 17110
ATTORNEY'S PHONE NUMBER (717) 232-4551
MARRIAGE INFORMATION
DATE OF MARRIAGE September 8, 1979
PLACE OF MARRIAGE Mechanicsburg, PA
DATE OF SEPARATION June 3, 2005
ADDRESS OF LAST MARITAL HOME 1034 Dogwood Lane, Enola, PA
DESCRIPTION OF DOCUMENT
RAISING APL CLAIM Divorce Complaint
DATE APL DOCUMENT FILED January 3, 2006 (incorporated in Complaint
in Divorce)
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Paul J. Esposito, Esquire
I.D. #25454
GOLDBERG KATZMAN, P.C.
320 Market Street
P. O. Box 1268
Harrisburg, PA 17108-1268
(facsimile)
PACSES CASE NO. 403107932
LINDA C. LINSENBACH,
Plaintiff
JEFFREY L. LINSENBACH,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 5ZO06 - I? Civil Term
CIVIL ACTION - LAW
IN DIVORCE
ORDER
AND NOW this 3rd day January , 2006, upon consideration of the
Petition to schedule a conference to consider Plaintiff's claim for alimony pendente lite, a
conference is hereby scheduled for the 18`1i day of January, 2006, at 8:30 a.m.; at the
Cumberland County Domestic Relations Office, 13 North Hanover Street, Carlisle,
Pennsylvania.
BY THE COURT:
/I
Kevin ,A ess, J.
acG: u I
LINDA C. LINSENBACH,
Plaintiff
V.
JEFFREY L. LINSENBACH,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 2006-12 Civil Term
CIVIL ACTION - LAW
IN DIVORCE
ACCEPTANCE OF SERVICE
I, Timothy J. O'Connell, Esquire, hereby accept service of the Complaint in Divorce,
filed on January 3, 2006, in behalf of JEFFREY L. LINSENBACH, Defendant in the above-
captioned action, and acknowledge that I am authorized to do so.
Date: 2006 Tim by J nne11, Esquire
Turner ' onnell
4415 N. Front Street
Harrisburg, PA 17110
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In the Court of Common Pleas of CUMBERLAND County, Pennsylvania
DOMESTIC RELATIONS SECTION
LINDA C. LINSENBACH ) Docket Number 06-0012 CIVIL
Plaintiff )
vs. ) PACSES Case Number 403107932
JEFFREY L. LINSENBACH )
Defendant ) Other State ID Number
ORDER
AND NOW, to wit on this 18TH DAY OF JANUARY. 2006 IT IS HEREBY
ORDERED that the Q Complaint for Support or Q Petition to Modify or ® Other
ALIMONY PENDENTE LITE filed on JANUARY 3, 2006 in the above captioned
matter is dismissed without prejudice due to:
RULE 1910.16-4(e). THE DEFENDANT'S OBLIGATION FOR ALIMONY PENDENTE LITE IS
OFFSET BY PLAINTIFF'S OBLIGATION FOR CHILD SUPPORT UNDER PACSES C#212107914.
O The Complaint or Petition may be reinstated upon written application of the plaintiff
petitioner.
BY THE COURT:
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Kevi Hess, JUDGE
S : If J. Shadday Form OE-506
vce ype m Worker ID 21005
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LINDA C. LINSENBACH, IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
VS. : NO. 2006-12 CIVIL TERM
JEFFREY L. LINSENBACH, CIVIL ACTION -LAW
Defendant DIVORCE
NOTICE TO THE DEFENDANT
If you wish to deny any of the statements set forth in this affidavit, you must file a
counteraffidavit within twenty days after this affidavit has been served on you or the
statements will be admitted.
Affidavit Under
Section 3301(d) of the Divorce Code
The parties to this action have continued to live separate and apart for a
period of at least two years, since June 3, 2005.
2. The marriage is irretrievably broken.
3. 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.
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.
Section 4904 relating to unsworn falsification to authorities.
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Date: b C(9 y L. Linsenbach
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Paul J. Esposito, Esquire
I.D. #25454
GOLDBERG KATZMAN, P.C.
320 Market Street
P. O. Box 1268
Harrisburg, PA 17108-1268
(717) 234-4161; (717) 234-4161 (facsimile)
Counsel for Plaintiff
LINDA C. LINSENBACH, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V.
JEFFREY L. LINSENBACH,
Defendant
NO: 2006-12 Civil Term
: CIVIL ACTION - LAW
IN DIVORCE
COUNTER AFFIDAVIT UNDER
SECTION 3301(d) OF THE DIVORCE CODE
Check either (a) or (b):
(a) I do not oppose the entry of a divorce decree.
X (b) I oppose the entry of a divorce decree because:
(Check (i), (ii), or both):
(i) The parties to this action have not lived separate and apart for a
period of at least two years.
(ii) The marriage is not irretrievably broken.
X (iii) The entry of a divorce decree should await the resolution of the
economic issues in the nature of equitable distribution of marital
property, alimony, alimony pendente lite, counsel fees, costs and
expenses, which to date are not fully and finally resoved.
Check either (a) or (b):
(a) I do not wish to make any claims for economic relief. 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.
X (b) I wish to claim economic relief which may include alimony, division of
property, lawyer's fees or expenses or other important rights.
I understand that in addition to checking (b) above, I must also file all of my economic
claims with the Prothonotary in writing and serve them on the other party. If I fail to do so
before the date set forth on the Notice of Intention to Request Divorce Decree, the divorce decree
may be entered without further notice to me, and I shall be unable thereafter to file any economic
claims.
I verify that the statements made in this counter-affidavit are true and correct. I
understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904
relating to unworn falsification to authorities.
Date: q _ q -0q d a_
Jifendant
NOTICE: IF YOU DO NOT WISH TO OPPOSE THE ENTRY OF A DIVORCE
DECREE AND YOU DO NOT WISH TO MAKE ANY CLAIM FOR ECONOMIC
RELIEF, YOU SHOULD NOT FILE THIS COUNTER-AFFIDAVIT.
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LINDA C. LINSENBACH, : IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. CIVIL ACTION -LAW
NO. 2006-12
JEFFREY L. LINSENBACH,
Defendant IN DIVORCE
MOTION FOR APPOINTMENT OF MASTER
Jeffrey L. Linsenbach, defendant, moves the court to appoint a master with
respect to the following claims:
That the marriage is irretrievably broken and in support of said motion states:
1. Discovery is complete as the claims requested for which the appointment
of a master is requested.
2. The plaintiff has appeared in the action through counsel, Paul J. Esposito,
Esquire.
3. The statutory ground for divorce is Section 3301(c) or 3301(d).
4. The action is contested with respect to the following: equitable
distribution
5. The action does not involve complex issues of law or fact.
6. The hearing is expected to take one-half day.
Date: August 22, 2007
Timothy J. O'Connell, Esquire
TURNER AND O'CONNELL
4415 North Front Street
Harrisburg, PA 17110
Attorney for defendant
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LINDA C. LINSENBACH, : IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. CIVIL ACTION -LAW
NO. 2006-12
JEFFREY L. LINSENBACH,
Defendant : IN DIVORCE
INVENTORY OF
Defendant files the following inventory of all property owned or possessed by either party at
the time this action was commenced and all property transferred within the preceding three years.
Defendant verifies that the statements made in this inventory are true and correct.
Defendant understands that false statements herein are made subject to the penalties of 18 Pa.
C.S.A. Section 4904 relating to unworn falsification to authorities.
Date:: v`?
J ]Vey L. Linsenbach
LINDA C. LINSENBACH, : IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. CIVIL, ACTION -LAW
NO. 2006-12
JEFFREY L. LINSENBACH,
Defendant : IN DIVORCE
Plaintiff marks on the list below those items applicable to the case at bar and itemizes the
assets on the following pages.
(X) 1. Real property
(X) 2. Motor vehicles
() 3. Stocks, bonds, securities and options
O 4. Certificates of deposit
() 5. Checking accounts, cash
(X) 6. Savings accounts, money market and savings certificates
() 7. Contents of safe deposit boxes
O 8. Trusts
() 9. Life insurance policies (including face value, cash surrender value and current
beneficiaries)
() 10. Annuities
() 11. Gifts
O 12. Inheritances
() 13. Patents, copyrights, inventions, royalties
(} 14, Personal property outside the home
() 15. Business (list all owners, including percentage of ownership, and officer/director
positions held by a party with company)
() 16. Employment termination benefits - severance pay, worker's compensation
claim/award
O 17. Profit sharing plans
(X) 18. Pension plans (indicate employee contribution and date plan vests)
(X) 19. Retirement accounts, Individual Retirement Accounts
() 20. Disability payments
(} 21. Litigation claims (matured and unmatured)
O 22. Military/V.A. benefits
(} 23. Education benefits
() 24. Debts due, including loans, mortgages held
(X) 25. Household furnishings and personalty (include as a total category and attached
itemized list if distribution of such assets is in dispute)
LINDA C. LINSENBACH,
Plaintiff
V.
JEFFREY L. LINSENBACH,
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -LAW
NO. 2006-12
IN DIVORCE
MARITAL PROPERTY
Defendant lists all marital property in which either or both spouses have a legal or equitable
intere st individually or with any other persons as of the date this action was commenced:
Item
Numh Description of
er P=ertv Names of All
nwnerr
1 1034 Dogwood Lane, Enola, PA Joint
2 407-A North 77th Street, Myrtle Beach, SC Joint
3 1611 State Road, Duncannon, PA Joint
4 Furniture/Myrtle Beach property Joint
5 Furniture, sauna, riding mower/Dogwood Lane Joint
6 Art, prints Joint
7 Boats, guns Joint
8 2004 Escalade Joint
9 Extended warranty for Escalade Joint
10 2001 BMW 325 Joint
11 1998 BMW 323 Joint
12 1996 Tahoe Joint
13 401(K) Wife
61
14 401(x)
15 Retirement Highmark
Husband
Wife
16 Retirement Capital Blue Cross Husband
17 Members 1St FCU Savings account,
certificate of deposit, money market account Joint
18 Insurance policy on husband
19 Insurance policy on wife
LINDA C. LINSENBACH, : IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. CIVIL ACTION -LAW
NO. 2006-12
JEFFREY L. LINSENBACH,
Defendant : IN DIVORCE
NON-MARITAL PROPERTY
Defendant lists all property in which a spouse has a legal or equitable interest which is
claimed to be excluded from marital property:
Item Description of Reason for
Number PrnnPrty Fxcl ucion
1 217 Burnhill Road purchased 3/06 after
building lot separation
2 2003 BMW# 330X1 purchased 3/06 after
separation
LINDA C. LINSENBACH, : IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
v. CIVIL ACTION -LAW
NO. 2006-12
JEFFREY L. LINSENBACH,
Defendant : IN DIVORCE
PROPERTY TRANSFERRED
Item Description of Date of Consid- Person to
Number Pro ertv Transfer eratian Transferred
none
LINDA C. LINSENBACH, : IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. CIVIL ACTION -LAW
NO. 2006-12
JEFFREY L. LINSENBACH,
Defendant : IN DIVORCE
LIABILITIES
Item Description of Names of All Names of
Number PronPrly Creditors All Dehtors
1 Mortgage: 1034 Dogwood Drive, Members 1st
Enola, Pennsylvania FCU
2 Mortgage: 407A North 77th GMAC
Avenue, Myrtle Beach, SC
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` LINDA C. LINSENBACH,
Plaintiff
V.
JEFFREY L. LINSENBACH,
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -LAW
NO. 2006-12
: IN DIVORCE
INCOME AND EXPENSE STATEMENT
OF
JEFFREY L. LINSENBACH
? .
J M a, ify, that the s,KtPrriat2tc mare i this Tncom.P ap(? FX1?PT1SetatP,me?lt are true
and correct. I understand that false statements herein are made subject to the penalties of
18 Pa.C.S. § 4904 relating to unsworn falsification to authorities.
Date: I b w, k _R?)
J L. Linsenbach
M1
1
' INCOME
Employer: Highmark
Address: 1800 Center Street, Camp Hill, PA 17011
Type of Work: Manager
Payroll Number:
Pay Period (weekly, biweekly, etc.): biweekly
Gross Pay per Pay Period: $4,195.00
Itemized Payroll Deductions:
Federal ''Ahl-clding $ 752.00
Social Security $ 316.00
Local Wage Tax $ 66.00
State Income Tax $ 130.00
Retirement $ 294.00
Savings Bonds $
Credit Union $
Life Insurance $
Health/DentalInsurance $ 74.00
Other (specify) $
United Way $ 20.00
Net Pay per Pay Period: $2,533.00
Other Income:
Week Month Year
(Fill in Appropriate Co lumn)
Interest $ $ $100.00
Dividends $ $ $100.00
Pension $ $ $
Annuity $ $ $
Social Security $ $ $
Rents $ $ $
Royalties $ $ $
Expense Account $ $ $
Gifts $ $ $
Unemployment Comp $ $ $
Workmen's Comp. $ $ $
Total: $ $ $
TOTAL INCOME: $
EXPENSES
Weekly Monthl Yearl
(Fill in Appropriate Column)
Home
Mortgage/Rent $ $ $9300.00
Maintenance $ $ $1500.00
Utilities $ $ $2385.00
Electric $ $ $1000.00
Gas $ $ $ 719.00
Oil $ $ $ 300.00
Telephone $ $ $1659.00
Water $ $ $ 307.00
Sewer $ $ $ 471.00
Employment
Public Transportation $
It Q
$
Lunch $ $ $1300.00
Taxes
Real Estate $ $ $1500.00
Personal Property $ $ $
Income $ $ $
Insurance
Homeowners $ $ $
Automobile $ $ $1159.00
Life $ $ $
Accident $ $ $
Health/Dental $ $ $1924.00
Other $ $ $
Automobile
Payments $ $ $6492.00
Fuel $ $ $3120.00
Repairs $ $ $4500.00
Medical
Doctor $ $ $ 300.00
Dentist $ $ $ 200.00
Orthodontist $ $ $
Hospital $ $ $
Medicine $ $ $
Special Needs $ $ $
(Glasses, braces, orthopedic devices)
4 Education
Private School $ $ $
Parochial School $ $ $
College $ $ $11000.00
Religious $ $ $
Personal
Clothing $ $ $4000.00
Food $ $ $5200.00
Barber/hairdresser $ $ $ 300.00
Credit payments
Credit Card $ $ $
Charge Acct. $ $ $
Memberships $ $ $
Loans
Credit Union $ _ $ $7200.00
Miscellaneous
Household help $ $ $
Child care $ $ $
Papers/books/magazines $ $ $ 340.00
Entertainment $ $ $4000.00
Pay TV $ $ $
Vacation $ $ $5000.00
Gifts $ $ $
Legal fees $ $ $
Charitable contribution $ $ $1000.00
Other child support $ $ $
Alimony payments $ $ $
Other
Lauren $ $ $5200.00
01
Total Expenses $ $ $81376.00
r
PROPERTY OWNED
Description
Checking Accounts Members 1St FCU
Savings Accounts Members 1" FCU
Credit Union
Stocks/Bonds Pruco
Real Estate
Other
Total
INSURANCE
Company
Hospital
Blue Cross
Other
Medical
Blue Shield
Other
Heal'-.h/Accident
Disability Income
Dental
Other
Highmark
Highmark
UCC 1
Value Ownership*
H W J
$1000.00 X - -
$16000.00 X - -
$ X --
Policy # Coverage*
H W C
HIM105035297001 X X
HIM105035297001 X X
207520949 X X
* H = Husband; W = Wife; J = Joint;
C = Child
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AUG S 7 2007
LINDA C. LINSENBACH, : IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. CIVIL ACTION -LAW
NO. 2006-12
JEFFREY L. LINSENBACH,
Defendant : IN DIVORCE
ORDER APPOINTING MASTER
AND NOW, this o day of '2007,
,(.
(..- Jr Esquire is appointed master with respect to the following
claims:
By the
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Paul J. Esposito, Esquire
I.D.#25454
GOLDBERG KATZMAN, P.C.
320 Market Street
P. O. Box 1268
Harrisburg, PA 17108-1268
(717) 234-4161; (717) 2344161 (facsimile)
Coumel for Ploinuff
LINDA C. LINSENBACH, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V.
JEFFREY L. LINSENBACH,
Defendant
NO. 2006-12 Civil Term
CIVIL ACTION - LAW
IN DIVORCE
PETITION TO SCHEDULE CONFERENCE TO RECONSIDER
PLAINTIFF'S ALIMONY PENDENTE LITE CLAIM
AND NOW comes Plaintiff, Linda C. Linsenbach, by her attorneys, Goldberg Katzman,
P.C., and Paul J. Esposito, Esquire, and files this Petition for Reconsideration of her Alimony
Pendente Lite claim, as follows:
1. Plaintiff is Linda C. Linsenbach, who currently resides at 1034 Dogwood Lane,
Enola, Cumberland County, Pennsylvania.
2. Defendant is Jeffrey L. Linsenbach, who currently resides at 33 S. Mont Drive,
Enola, Cumberland County, Pennsylvania.
3. By Order dated January 18, 2006, Plaintiff's Petition for Alimony Pendente Lite
was dismissed without prejudice.
4. Plaintiff wishes to have her claim for alimony pendente lite reconsidered.
5. Plaintiff hereby petitions this Court to direct the Domestic Relations Section of
Cumberland County, Pennsylvania, to schedule a conference to consider her claim for alimony
pendente lite.
6. Attached to this Petition is the DRS Attachment for APL Proceedings, which is
made a part hereof and marked as Exhibit "A."
WHEREFORE, Plaintiff respectfully requests that this Honorable Court direct the
Domestic Relations Office to schedule a conference to consider her claim for alimony pendente
lite.
Date:
g -007-
f
Respectfully submitted,
GO BERG TZM , P.C.
Paul J. s to
Attorney I. D. #25454
320 Market Street
P.O. Box 1268
Harrisburg, PA 17108-1268
(717) 234-4161
Attorney for Plaintiff
2
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
LINDA U. LINSENBACH,
Plaintiff
V.
JEFFREY L. LINSENBACH,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
. NO. 2006-12 Civil Term
CIVIL ACTION - LAW
IN DIVORCE
DRS ATTACHMENT FOR APL PROCEEDINGS
PETIT IONER
NAME Linda C. Linsenbach
ADDRESS 1034 Dogwood Lane, Enola, PA
BIRTH DATE 10/1/59
SOCIAL SECURITY NUMBER 194-54-3918
HOMEPHONE 717 732-2100
WORK PHONE 717 541-7532
EMPLOYER NAME Capital Blue Cross
EMPLOYER ADDRESS 2500 Elmerton Ave., Harrisburg, PA
JOB TITLE/POSITION Correspondence and Special Services
Manager
DATE EMPLOYMENT COMMENCED 1978
GROSS PAY $90,000.00 gross per year - approximate
NET PAY
OTHER INCOME n/a
ATTORNEY'S NAME Paul J. Esposito, Esquire
ATTORNEY'S ADDRESS Goldberg Katzman, P.C.
320 Market Street
P.O. Box 1268
Harrisbur , PA 17108-1268
ATTORNEY'S PHONE NUMBER 717 234-4161
RESPO NDENT
NAME Jeffre L. Linsenbach
ADDRESS 33. S. Mont Drive, Enola, PA
BIRTH DATE 1/23/60
SOCIAL SECURITY NUMBER 207-52-0949
HOME PHONE 717 728-7533
WORK PHONE 717 302-3115
EMPLOYER NAME Hi hmark Blue Shield
EMPLOYER ADDRESS P.O. Box 890089, Cam Hill, PA 17089
JOB TITLE/POSITION Project Manager
DATE EMPLOYMENT COMMENCED 1990
GROSS PAY $109,000.00 gross per year - approximate
NET PAY
OTHER INCOME n/a
ATTORNEY'S NAME Timothy J. O'Connell, Esquire
ATTORNEY'S ADDRESS Turner and O'Connell
4415 N. Front Street
Harrisbur , PA 17110
ATTORNEY'S PHONE NUMBER (717) 232-4551
MARRIAGE INFORMATION
DATE OF MARRIAGE September 8, 1979
PLACE OF MARRIAGE Mechanicsburg, PA
DATE OF SEPARATION June 3, 2005
ADDRESS OF LAST MARITAL HOME 1034 Dogwood Lane, Enola, PA
DESCRIPTION OF DOCUMENT
RAISING APL CLAIM Divorce Complaint
DATE APL DOCUMENT FILED January 3, 2006 (incorporated in Complaint
in Divorce
CERTIFICATE OF SERVICE
On this day of September, 2007, I certify that a copy of the foregoing was served
upon the following counsel of record by delivering same in the manner indicated below,
addressed as follows:
VM FIRST CLASS MAIL
Timothy J. O'Connell, Esquire
Turner and O'Connell
4415 N. Front Street
Harrisburg, PA 17110
GOLDBERG KATZMAN, P.C.
Paul J. po to
Supreme Court ID #25454
Attorneys for Plaintiff
o
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LINDA C. LINSENBACH, THE COURT OF COMMON PLEAS OF
Plaintiff/Petitioner CUMBERLAND COUNTY, PENNSYLVANIA
VS. CIVIL ACTION - DIVORCE
NO. 2006-12 CIVIL TERM
JEFFREY L. LINSENBACK IN DIVORCE
Defendant/Respondent :
PACSES CASE NO: 403107932
ORDER OF COURT
AND NOW, this 19th day of September, 2007, upon consideration of the Petition for Alimony Pendente
Lite and/or counsel fees, it is hereby directed that the parties and their respective counsel appear beforeR. J.
Sbadday on November 1. 2W at 9:00 A.M. for a conference, at 13 N. Hanover St., Carlisle, PA 17013, after
which the conference officer may recommend that an Order for Alimony Pendente Lite be entered.
YOU are further ordered to bring to the conference:
(1) a true copy of your most recent Federal Income Tax Return, including W2's as filed
(2) your pay stubs for the preceding six (6) months
(3) the Income and Expense Statement attached to this order, completed as required by Rule 1910.11®
(4) verification of child care expenses
(5) proof of medical coverage which you may have, or may have available to you
If you fail to appear for the conference or bring the required documents, the Court may issue a
warrant for your arrest.
BY THE COURT,
Edgar B. Bayley, President Judge
Copies mailed to: Petitioner
Respondent
Paul J. Esposito, Esq.
Timothy J. O'Connell, Esq.
Date of Order: September 19, 2007
Sh y, nference Officer
f, IT
YOU HAVE THE RIGHT TO A LAWYER, WHO MAY ATTEND THE CONFERENCE AND
REPRESENT YOU. 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 MAY GET LEGAL
HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVE.
CARLISLE, PENNSYLVANIA 17013
(717) 249-3166 cc361
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403107932
ORDER/NOTICE TO WITHHOLD INCOME FOR SUPPORT 06-0012 CIVIL
State Commonwealth of Pennsylvania @ Original Order/Notice
Co./City/Dirt. of CUMBERLAND O Amended Order/Notice
Date of Order/Notice 11/07/07 O Terminate Order/Notice
Case Number (See Addendum for case summary)
Employer/Withholder's Federal EIN Number
HIGHMARK SERVICES CO*
PO BOX 535061
PITTSBURGH PA 15253-5061
207-52-0949
Employee/Obligor's Social Security Number
5102101604
Employee/Obligor's Case Identifier
(See Addendum for plaintiff names
associated with cases on attachment)
Custodial Parent's Name (Last, First, MI)
See Addendum for dependent names and birth dates associated with cases on attachment.
ORDER INFORMATION: This is an Order/Notice to Withhold Income for Support based upon an order for support
from CUMBERLAND County, Commonwealth of Pennsylvania. By law, you are required to deduct these
amounts from the above-named employee's/obligor's income until further notice even if the Order/Notice is not
issued by your State.
$ 992.00 per month in current support
$ 0. oo per month in past-due support Arrears 12 weeks or greater? Oyes ® no
$ 0. 00 per month in current and past-due medical support
$ 0.0 o per month for genetic test costs
$ 0. 00 per month in other (specify)
for a total of $ 992.00 per month to be forwarded to payee below.
You do not have to vary your pay cycle to be in compliance with the support order. If your pay cycle does not match
the ordered support payment cycle, use the following to determine how much to withhold:
$ 228.92_per weekly pay period.
$ 457.85 per biweekly pay period (every two weeks).
$ 496. oo per semimonthly pay period (twice a month).
$ 992. go per monthly pay period.
REMITTANCE INFORMATION:
You must begin withholding no later than the first pay period occurring ten (10) working days after the date of this
Order/Notice. Send payment within seven (7) working days of the paydate/date of,, withholding. You are entitled to
deduct a fee to defray the cost of withholding. Refer to the laws governing the work state of your employee for the
allowable amount. The total withheld amount, and your fee, cannot exceed 55%a of the employee's/ obligor's
aggregate disposable weekly earnings. For the purpose of the limitation on withholding, the following information is
needed (See #9 on page 2).
If required by Pennsylvania law (23 PA C.S. § 4374(b)) to remit by electronic payment method, please call
Pennsylvania State Collections and Disbursement Unit (PA SCDU) Employer Customer Service at 1-877-676.9580
for instructions.
Make Remittance Payable to: PA SCDU
Send check to: Pennsylvania SCDU, P.O. Box 69112, Harrisburg, P417106-9112
IN ADDITION, PAYMENTS MUST INCLUDE THE DEFENDANT'S NAMEAND TIDE PACSES MEMBER ID (shown
above as the Employee/Obligor's Case Identifier) OR SOCIAL SECURITY NUMBER IN ORDER TO BE PROCESSED.
DO NOT SEND CASH BY MAIL.
BY THE COURT:
Date of Order: ?` O 2007
DRO: R. J. SHADDAY
Service Type M
RE: LINSENBACH, J FFREY L.
Employee/Obligor's Name (Last, First, MI)
- * ?,gz
I HESS, JUDGE
Form EN-028 Rev.
OMB No.: 0970-0154
Worker I D $ IATT
992 0 x
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ADDITIONAL INFORMATION TO EMPLOYERS AND OTHER WITHHOLDERS
? I heck you are required, to provide a opy of this form to your m loyee. If yo r employee works in a state that is
ierent from the state that issued this order, a copy must be provisecto your employee even if t?e box is not checked.
1. Priority: Withholding under this Order/Notice has priority over any other legal process under State law against the same income.
Federal tax levies in effect before receipt of this order have priority. If there are Federal tax levies in effect please contact the requesting
agency listed below.
2. Combining Payments: You can combine withheld amounts from more than one employee/bbligor's income in a single payment to
each agency requesting withholding. You must, however, separately identify the portion of the single payment that is attributable to each
employee/obligor.
.1 senaing
3.* Reporting the Paydate/Date of Withholding. You must ieportti we payclatemateorwitill"lu I pg 9. niepayllit:11L. [tit:
You must comply with the law of the
paydate/date of withholding is thedate on which aniount was withheld from the empluy?? . state of the employee's/obligor's principal place of employment with respect to the time periods within which you must implement the
withholding order and forward the support payments.
4.* Employee/Obligor with Multiple Support Holdings: If there is more than one Order/Notice, to Withhold Income for Support against
this employee/obligor and you are unable to honor all support Order/Notices due to Federal or!State withholding limits, you must follow
the law of the state of employee's/obligor's principal place of employment. You must honor all Orders/Notices to the greatest extent
possible. (See #9 below)
5. Termination Notification: You must promptly notify the Requesting Agency when the employee/obligor is no longer working for you.
Please provide the information requested and return a copy of this Order/Notice to the Agency identified below.
THE EMPLOYEE/OBLIGOR NO LONGER WORKS FOR: 6104133200
EMPLOYEE'S/OBLIGOR'S NAME: LINSENBACH, JEFFREY L.
EMPLOYEE'S CASE IDENTIFIER: 5102101604 DATE OF SEPARATION:
LAST KNOWN HOME ADDRESS:
NEW EMPLOYER'S NAME/ADDRESS:
6. Lump Sum Payments: You may be required to report and withhold from lump sum payments such as bonuses, commissions, or
severance pay. If you have any questions about lump sum payments, contact the person or authority below.
7. Liability: If you fail to withhold income as the Order/Notice directs, you are liable for both the accumulated amount you should have
withheld from the employeelobligor's income and other penalties set by Pennsylvania State law, Pennsylvania State law governs unless
the obligor is employed in another State, in which case the law of the State in which he or she is employed governs.
8. Antidiscrimination: You are subject to a fine determined under State law for discharging an employee/obligor from employment,
refusing to employ, or taking disciplinary action against any employee/obligor because of a support withholding. Pennsylvania State law
governs unless the obligor is employed in another State, in which case the law of the State in which he or she is employed governs.
9.* Withholding Limits: You may not withhold more than the lesser of: 1) the amounts allowed by the Federal Consumer Credit
Protection Act (15 U.S.C. §1673 (b)1; or 2) the amounts allowed by the State of the employee's/obligor's principal place of employment.
The Federal limit applies to the aggregate disposable weekly earnings (ADWE). ADWE is the net income left after making mandatory
deductions such as: State, Federal, local taxes; Social Security taxes; and Medicare taxes. For tribal orders, you may not withhold more
than the amounts allowed under the law of the issuing tribe. For tribal employers who receive a state order, you may not withhold more
than the amounts allowed under the law of the state that issued the order.
10. Additional Info:
*NOTE: If you or your agent are served with a copy of this order in the state that issuOd the order, you are to follow the
law of the state that issued this order with respect to these items.
11. Submitted By:
DOMESTIC RELATIONS SECTION
13 N. HANOVER ST
P.O. BOX 320
CARLISLE PA 17013
If you or your employeg/obligor have any questions,
contact WAGE ATTACHMENT UNIT
by telephone at (717) 240-6225 or
by FAX at (717) 240-6248 or
by internet www.c d upport.state.pa.us
Page 2 of 2
Service Type M
OMB No.: 097"154
Form EN-028 Rev. 1
Worker ID $IATT
ADDENDUM
Summary of Cases on Attachment
DefendandObligor: LINSENBACH, JEFFREY L.
PACKS Case Number 403107932 PACSES Case Number
Plaintiff Name Plaintiff Name
LINDA C. LINSENBACH
Docket Attachment Amount Docket Attachment Amount
06-0012 CIVIL$ 992.00 $ 0.00
Child(ren)'s Name(s): DOB Child(ren)'s Name(s): DOB
? If checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
? If checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
? If checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
? If checked, you ore required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
? If checked, you are required to enroll the child(ren) ? If checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available identified above in any health insurance coverage available
through the employee's/obligor's employment. through the employee's/obligor's employment.
Addendum Form EN-028 Rev. 1
Service Type M Worker I D $ IATT
OMB No.: 0970-0154
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LINDA C. LINSENBACH, IN THE COURT OF COMMON PLEAS OF
Plaintiff/Petitioner CUMBERLAND COUNTY, PENNSYLVANIA
VS. CIVIL ACTION - DIVORCE
NO. 2006-12 CIVILTERM
JEFFREY L. LINSENBACH, IN DIVORCE
Defendant/Respondent
PACSES CASE ID: 403107932
ORDER OF COURT
AND NOW, this 7th day of November, 2007, based upon the Court's determination that
Petitioner's monthly net income/earning capacity is $5,686.35 and Respondent's monthly net
income/earning capacity is $7,750.51, it is hereby ordered that the Respondent pay to the
Pennsylvania State Collection and Disbursement Unit Nine Hundred Ninety Two and 00/100 Dollars
($992.00) per month payable as follows: $992.00 per month for Alimony Pendente Lite and $0.00 per
month on arrears. First payment due: next pay date in the amount of $457.85 bi-weekly. The
effective date of the order is September 19, 2007.
Arrears set at $2375.36 as of November 7, 2007.
Failure to make each payment on time and in full will cause all arrears to become subject to
immediate collection by all of the means as provided by 23 Pa.C.S.§ 3703. Further, if the Court
finds, after hearing, that the Respondent has willfully failed to comply with this Order, it may declare
the Respondent in civil contempt of Court and, at its discretion, make an appropriate Order,
including, but not limited to, commitment of the Respondent to prison for a period not to exceed six
months.
Said money to be turned over by the PA SCDU to: Linda C. Linsenbach. Payments must be
made by check or money order. All checks and money orders must be made payable to PA SCDU
and mailed to:
PA SCDU
P.O. Box 69110
Harrisburg, PA 17106-9110
Payments must include the Respondent's PACSES Member Number or Social Security
Number in order to be processed. Do not send cash by mail.
cc360
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The monthly obligation includes cash medical obligation in the amount of $250 annually for
unreimbursed medical expenses incurred for the spouse. Unreimbursed medical expenses of the
oblige that exceed $250 annually shall be allocated between the parties. The party seeking allocation
of unreimbursed medical expenses must provide documentation of expenses to the other party no
later than March 31 sc of the year following the calendar year in which the final medical bill to be
allocated was received. The unreimbursed medical expenses are to be paid as follows: 0 % by the
Respondent and 100% by the Petitioner. [] Respondent [X] Petitioner [] Neither party to provide
medical insurance coverage. Within thirty (30) days after the entry of this order, the [X] Petitioner []
Respondent shall submit to the other party written proof that medical insurance coverage has been
obtained or that application for coverage has been made. Proof of coverage shall consist, at a
minimum, of. 1) the name of the health care coverage provider(s); 2) any applicable identification
numbers; 3) any cards evidencing coverage; 4) the address to which claims should be made; 5) a
description of any restrictions on usage, such as prior approval for hospital admissions, and the
manner of obtaining approval; 6) a copy o the benefits booklet or coverage contract; 7) a description
of all deductibles and co-payments; and 8) five copies of any claim forms.
This order considers an additional sum of $166.00 per month for the automobile insurance
cost for coverage on two vehicles that are in the Respondent's possession.
The Respondent is to contact the Domestic Relations Section within ten (10) days of this date
to make a payment schedule for the retroactive arrears. Both parties are to report ant direct payments
that may have been made to the Petitioner from the date of filing to the present.
The Petitioner is to maintain her own medical insurance coverage.
This Order shall become final twenty (20) after the mailing of the notice of the entry of the
Order to the parties unless either party files a written demand with the Prothonotary for a hearing de
novo before the Court.
Consented:
Petitioner
Respondent
Mailed copies on: November 8, 2007
to: Petitioner
Respondent
Paul J. Esposito, Esq.
Timothy J. O'Connell, Esq.
Petitioner's Attorney
Respondent's Attorney
BY THE COURT,
Vir'. * X4
Kevi . Hess, J.
DRO: R.J. Shadday
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?. ORDER/NOTICE TO WITHHOLD INCOME FOR SUPPORT
State Commonwealth of Pennsylvania
Co./City/Dist. of CUMBERLAND
Date of Order/Notice 11/19/07
Case Number (See Addendum for case summary)
Employer/withholder's Federal EIN Number
HIGHMARK SERVICES CO*
PO BOX 535061
PITTSBURGH PA 15253-5061
207-52-0949
Employee/Obligor's Social Security Numbe
5102101604
Employee/Obligor's Case Identifier
(See Addendum for plaintifnames
associated with cases on a'acbment)
Custodial Parent's Name Ost, First, MI)
See Addendum for dependent names and birth dates associated with cases on attachmer
ORDER INFORMATION: This is an Order/Notice to Withhold Income for Support based upon an ordfor support
from CUMBERLAND County, Commonwealth of Pennsylvania. By law, you are required deduct these
amounts from the above-named employee's/obligor's income until further notice even if the Order/lice is not
issued by your State.
$ 992.00 per month in current support $ 20.00 per month in past-due support Arrears 12 weeks or greater? es no
$ 0.00 per month in current and past-due medical support
$ 0.00 per month for genetic test costs
$ 0.00 per month in other (specify)
for a total of $ 1, 012.00 per month to be forwarded to payee below.
You do not have to vary Your pay cycle to be in compliance with the support order. If your. p le does not match
the ordered support payment cycle, use the following to determine how much to withhold:
$ 233.54, per weekly pay period.
$ 467.08 per biweekly pay period (every two weeks).
$ 506.00 per semimonthly pay period (twice a month).
$ 1. 012. oo per monthly pay period.
REMITTANCE INFORMATION:
You must begin withholding no later than the first pa after the date of this
g y period occurring ten (10) workig. you
Order/Notice. Send payment within seven (7) working days of the paydate/date of wjour e are entitled to
deduct a fee to defray the cost of withholding. Refer to the laws governing the workloYeels! oblig / oblige for the
obligor's
allowable amount. The total withheld amount, and your fee, cannot exceed 55% e following information is
aggregate disposable weekly earnings. For the purpose of the limitation on withh(
needed (See #9 on page 2). eth
od, Please call
If required by Pennsylvania law (23 PA C.S. § 4374(b)) to remit by electronic pervice at 1-877-676-9580
Pennsylvania State Collections and Disbursement Unit (PA SCDU) Employer
for instructions.
Make Remittance Payable to: PA SCDU
Original Order/Notice
403107932
06-0012 CIVIL 0 Amended Order/Notice
O Terminate Order/Notice
RE:LINSENBACH, JEFFREY L.
Employee/Obligor's Name (last, First, MI)
106-9112
Send check to: Pennsylvania SCDU P.U Box 69112, Harrisb
, ACSES MEMBER ID
IN ADDITION, PAYMENTS MUST INCLUDE THE DEFENDANT'S NAM'N ORDER TO BE pR0 FSSn
above as the Employee/Obligor's Case Identifier) OR SOCIAL SECUR17
DO NOT SEND CASH BY MAIL.
Date of order: NOV 19 2007
DRO: R.J. SHADDAY
BY THE C
KEVT Form JUDGE
EN-028 Rev.
Worker ID $IATT
OMB No.: 0970-0154
0 • 4
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1,012•x
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52•=
233*54*
101 2 • x
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467.08*
A
ADDITIONAL INFORMATION TO EMPLOYERS AND OTHER WITHHOLDERS
? If hecked you are required to provide a copy of this form to your employee. If your employee works in a state that is
di erent from the state that issued this order, a copy must be providedto your employee even if the box is not checked.
1. Priority: Withholding under this Order/Notice has priority over any other legal process under State law against the same income.
Federal tax levies in effect before receipt of this order have priority. If there are Federal tax levies in effect please contact the requesting
agency listed below.
2. Combining Payments: You can combine withheld amounts from more than one employee/obligor's income in a single payment to
each agency requesting withholding. You must, however, separately identify the portion of the single payment that is attributable to each
employee/obligor.
3.* Reporting the Paydate/Date of VVIthholding. You must report the pay datu-I'date of withl olding when sending tl ie payment. TI ie
paydate/date of vvithholding is the date on which amount was withheld from the employee's wages. You must comply with the law of the
state of the employee's/obligor's principal place of employment with respect to the time periods within which you must implement the
withholding order and forward the support payments.
4.* Employee/Obligor with Multiple Support Holdings: If there is more than one Order/Notice to Withhold Income for Support against
this employee/obligor and you are unable to honor all support Order/Notices due to Federal or State withholding limits, you must follow
the law of the state of employee's/obligor's principal place of employment. You must honor all Orders/Notices to the greatest extent
possible. (See #9 below)
5. Termination Notification: You must promptly notify the Requesting Agency when the employee/obligor is no longer working for you.
Please provide the information requested and return a copy of this Order/Notice to the Agency identified below.
THE EMPLOYEE/OBLIGOR NO LONGER WORKS FOR: 6104133200
EMPLOYEE'S/OBLIGOR'S NAME: LINSENBACH, JEFFREY L.
EMPLOYEE'S CASE IDENTIFIER: 5102101604 DATE OF SEPARATION:
LAST KNOWN HOME ADDRESS:
NEW EMPLOYER'S NAME/ADDRESS:
6. Lump Sum Payments: You may be required to report and withhold from lump sum payments such as bonuses, commissions, or
severance pay. If you have any questions about lump sum payments, contact the person or authority below.
7. Liability: if you fail to withhold income as the Order/Notice directs, you are liable for both the accumulated amount you should have
withheld from the employee/obligor's income and other penalties set by Pennsylvania State law. Pennsylvania State law governs unless
the obligor is employed in another State, in which case the law of the State in which he or she is employed governs.
8. Anti-discrimination: You are subject to a fine determined under State law for discharging an employee/obligor from employment,
refusing to employ, or taking disciplinary action against any employee/obligor because of a support withholding. Pennsylvania State law
governs unless the obligor is employed in another State, in which case the law of the State in which he or she is employed governs.
9.* Withholding Limits: You may not withhold more than the lesser of: 1) the amounts allowed by the Federal Consumer Credit
Protection Act (15 U.S.C. §1673 (b)1; or 2) the amounts allowed by the State of the employee's/obligor's principal place of employment.
The Federal limit applies to the aggregate disposable weekly earnings (ADWE). ADWE is the net income left after making mandatory
deductions such as: State, Federal, local taxes; Social Security taxes; and Medicare taxes. For tribal orders, you may not withhold more
than the amounts allowed under the law of the issuing tribe. For tribal employers who receive a state order, you may not withhold more
than the amounts allowed under the law of the state that issued the order.
10. Additional Info:
*NOTE: If you or your agent are served with a copy of this order in the state that issued the order, you are to follow the
law of the state that issued this order with respect to these items.
11. Submitted By:
DOMESTIC RELATIONS SECTION
13 N. HANOVER ST
P.O. BOX 320
CARLISLE PA 17013
If you or your employee/obligor have any questions,
contact WAGE ATTACHMENT UNIT
by telephone at (717) 240-6225 or
by FAX at (717) 240-6248 or
by internet www.childsupport.state.pa.us
Page 2 of 2
Service Type M
OMB No.: 0970-0154
Form EN-028 Rev. 1
Worker ID $IATT
ADDENDUM
Summary of Cases on Attachment
Defendant/Obligor: LINSENBACH, JEFFREY L.
OES Case Number 403107932
?intiff Name
NDA C. LINSENBACH
Docket Attachment Amount
-0012 CIVIL$ 1,012.00
;hild(ren)'s Name(s): DOB
] If checked, you are required to enroll the child(ren)
ratified above in any health insurance coverage available
,ough the employee's/obligor's employment.
PACSES Case Number
Plaintiff Name
Docket Attachment Amount
$ 0.00
Child(ren)'s Name(s): DOB
?if checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
ACSES Case Number
laintiff Name
Dos, Attach+jt Amount
$ 0.00
Child(ren)'s Name(s): DOB
You are requireE [off the child(ren)
? If checked, Y health i[identified above la any health coverage available
through the emp Y ?yment.
PACSES Case Number
Plaintiff Name
Docket Attachment omc
Child(ren)'s Name(s): DOB
if checked, you are required d s° ancelcc
identified above In ee js obligor's emploY"lble
through the emp Y
PACSES Case Number
Plaintiff Name
Docket Attachment Amount
$ 0.00
Child(ren)'s Name(s): DOB
? If checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
PACSES Case Number
Plaintiff Name
Docket Attachment Amount
$ 0.00
Child(ren)'s Name(s): DOB
? If checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
Addendum Form EN-028 Rev. 1
Service Type M 18 No.: 0970-0154 Worker I D $ IATT
t :c lyj OZ All
ORDER/NOTICE TO WITHHOLD INCOME FOR SUPPORT
State Commonwealth of Pennsylvania
CO./City/Dist. of CUMBERLAND
Date of Order/Notice 11/19/07
Case Number (See Addendum for case summary)
Employer/Withholder's Federal EIN Number
HIGHMARK SERVICES CO*
PO BOX 535061
PITTSBURGH PA 15253-5061
403107932 Q Original Order/Notice
06-0012 CIVIL Q Amended Order/Notice
O Terminate Order/Notice
RE:LINSENBACH, JEFFREY L.
Employee/Obligor's Name (Last, First, MI)
207-52-0949
Employee/Obligor's Social Security Number
5102101604
Employee/Obligor's Case Identifier
(See Addendum for plaintiff names
associated with cases on attachment)
Custodial Parent's Name (Last, First, MI)
See Addendum for dependent names and birth dates associated with cases on attachment.
ORDER INFORMATION: This is an Order/Notice to Withhold Income for Support based upon an order for support
from CUMBERLAND County, Commonwealth of Pennsylvania. By law, you are required to deduct these
amounts from the above-named employee's/obligor's income until further notice even if the Order/Notice is not
issued by your State.
$ 992 . oo per month in current support
$ 20.00 per month in past-due support Arrears 12 weeks or greater? Dyes ® no
$ 0.00 per month in current and past-due medical support
$ o . 00 per month for genetic test costs
$ 0.00 per month in other (specify)
for a total of $ 1, 012.0 0 per month to be forwarded to payee below.
You do not have to vary your pay cycle to be in compliance with the support order. If your pay cycle does not match
the ordered support payment cycle, use the following to determine how much to withhold:
$ 233.54. per weekly pay period.
$ 467.08.per biweekly pay period (every two weeks).
$ 506. oo per semimonthly pay period (twice a month).
$ 1.012. oo per monthly pay period.
REMITTANCE INFORMATION:
You must begin withholding no later than the first pay period occurring ten (10) working days after the date of this
Order/Notice. Send payment within seven (7) working days of the paydate/date of withholding. You are entitled to
deduct a fee to defray the cost of withholding. Refer to the laws governing the work state of your employee for the
allowable amount. The total withheld amount, and your fee, cannot exceed 55% of the employee's/ obligor's
aggregate disposable weekly earnings. For the purpose of the limitation on withholding, the following information is
needed (See #9 on page 2).
If required by Pennsylvania law (23 PA C.S. § 4374(b)) to remit by electronic payment method, please call
Pennsylvania State Collections and Disbursement Unit (PA SCDU) Employer Customer Service at 1-877-676-9580
for instructions.
Make Remittance Payable to: PA SCDU
Send check to: Pennsylvania SCDU, P.O. Box 69112, Harrisburg, Pa 17106-9112
IN ADDITION, PAYMENTS MUST INCLUDE THE DEFENDANT'S NAMEAND THE PACSES MEMBER ID (shown
above as the Employee/Obligor's Case Identifier) OR SOCIAL SECURITY NUMBER IN ORDER TO BE PROCESSED.
DO NOT SEND CASH BY MAIL.
BY THE COURT:
Date of Order: NOV 19 2007 ;P?- J019 /W/M
KEVIN >ooMSS, JUDO
DRO: R.J. SHADDAY Form EN-028 Rev. 1
Service Type M OMB No.: 0970-0154 Worker ID $IATT
0r 0
Qr *
1:d 12 • '?
52r
233- 54
1 xa 1 ? • x
t ? ? • y
6
ADDITIONAL INFORMATION TO EMPLOYERS AND OTHER WITHHOLDERS
? If checked you are required to provide a copy of this form to your em loyee. If your employee works in a state that is
different from the state that issued this order, a copy must be provideto your employee even if the box is not checked.
1. Priority: Withholding under this Order/Notice has priority over any other legal process under State law against the same income.
Federal tax levies in effect before receipt of this order have priority. If there are Federal tax levies in effect please contact the requesting
agency listed below.
2. Combining Payments: You can combine withheld amounts from more than one employee/obligor's income in a single payment to
each agency requesting withholding. You must, however, separately identify the portion of the single payment that is attributable to each
employee/obligor.
3.* Reporting the-
paydate(date of1withholdir-Ig is the date on which an ount was withheld fioni the employee's wages-.- You must comply with the law of the
state of the employee's/obligor's principal place of employment with respect to the time periods within which you must implement the
withholding order and forward the support payments.
4.* Employee/Obligor with Multiple Support Holdings: If there is more than one Order/Notice to Withhold Income for Support against
this employee/obligor and you are unable to honor all support Order/Notices due to Federal or State withholding limits, you must follow
the law of the state of employee's/obligor's principal place of employment. You must honor all Orders/Notices to the greatest extent
possible. (See #9 below)
5. Termination Notification: You must promptly notify the Requesting Agency when the employee/obligor is no longer working for you.
Please provide the information requested and return a copy of this Order/Notice to the Agency identified below.
THE EMPLOYEE/OBLIGOR NO LONGER WORKS FOR: 6104133200
EMPLOYEE'S/OBLIGOR'S NAME: LINSENBACH JEFFREY L.
EMPLOYEE'S CASE IDENTIFIER: 5102101604 DATE OF SEPARATION:
LAST KNOWN HOME ADDRESS:
NEW EMPLOYER'S NAME/ADDRESS:
6. Lump Sum Payments: You may be required to report and withhold from lump sum payments such as bonuses, commissions, or
severance pay. If you have any questions about lump sum payments, contact the person or authority below.
7. Liability: If you fail to withhold income as the Order/Notice directs, you are liable for both the accumulated amount you should have
withheld from the employee/obligor's income and other penalties set by Pennsylvania State law. Pennsylvania State law governs unless
the obligor is employed in another State, in which case the law of the State in which he or she is employed governs.
8. Anti-discrimination: You are subject to a fine determined under State law for discharging an employee/obligor from employment,
refusing to employ, or taking disciplinary action against any employee/obligor because of a support withholding. Pennsylvania State law
governs unless the obligor is employed in another State, in which case the law of the State in which he or she is employed governs.
9.* Withholding Limits: You may not withhold more than the lesser of: 1) the amounts allowed by the Federal Consumer Credit
Protection Act (15 U.S.C. §1673 (b)1; or 2) the amounts allowed by the State of the employee's/obligor's principal place of employment.
The Federal limit applies to the aggregate disposable weekly earnings (ADWE). ADWE is the net income left after making mandatory
deductions such as: State, Federal, local taxes; Social Security taxes; and Medicare taxes. For tribal orders, you may not withhold more
than the amounts allowed under the law of the issuing tribe. For tribal employers who receive a state order, you may not withhold more
than the amounts allowed under the law of the state that issued the order.
10. Additional Info:
*NOTE: If you or your agent are served with a copy of this order in the state that issued the order, you are to follow the
law of the state that issued this order with respect to these items.
11.Submitted By: If you or your employee/obligor have any questions,
DOMESTIC RELATIONS SECTION contact WAGE ATTACHMENT UNIT
13 N. HANOVER ST
P.O. BOX 320
CARLISLE PA 17013
Service Type M
by telephone at (717) 240-6225 or
by FAX at (717) 240-6248 or
by internet www.childsupport.state.pa.us
Page 2 of 2
OMB No.: 0970-0154
Form EN-028 Rev. 1
Worker I D $ IATT
ADDENDUM
Summary of Cases on Attachment
Defendant/Obligor: LINSENBACH, JEFFREY L.
PACSES Case Number 403107932
Plaintiff Name
LINDA C. LINSENBACH
Docket Attachment Amount
06-0012 CIVIL$ 1,012.00
Child(ren)'s Name(s): DOB
? if checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
PAGES Case Number
Plaintiff Name
Docket Attachment Amount
$ 0.00
Child(ren)'s Name(s): DOB
? If checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
PACKS Case Number
Plaintiff Name
Docket Attachment Amount
$ 0.00
Child(ren)'s Name(s): DOB
? If checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
PACSES Case Number
Plaintiff Name
Docket Attachment Amount
$ 0.00
Child(ren)'s Name(s): DOB
? If checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
PAGES Case Number
Plaintiff Name
Docket Attachment Amount
$ 0.00
Child(ren)'s Name(s): DOB
? If checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
PAGES Case Number
Plaintiff Name
Docket Attachment Amount
$ 0.00
Child(ren)'s Name(s): DOB
? If checked, you are required to enroll the child(ren)
identified above in any health insurance coverage available
through the employee's/obligor's employment.
Addendum Form EN-028 Rev. 1
Service Type M Worker ID $IATT
OMB No.: 0970-0154
tC :C J OZ AON C Ol
3Hi JO
LINDA C. LINSENBACH
Plaintiff
VS.
JEFFREY L. LINSENBACH,
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 2006-12
CIVIL ACTION - LAW
IN DIVORCE
PRETRIAL STATEMENT OF JEFFREY L. LINSENBACH
Assets
Wife Husband
Real Estate
1. 1034 Dogwood Lane, Enola (per
appraisal 5/17/06) $255,000.00
2. 409-A N. 77d' Avenue, Myrtle Beach,
SC (appraisal 5/19/06) $210,000.00
3. 1611 State Road, Duncannon (appraisal
6/6/06) $32,000.00
Accounts
4. Wife's 401k (as of 12/31/04)-wife's
retirement $2,008.00 per month at age 65 $120,000.00
5. Husband's 401k (as of 8/26/05)-husband's
retirement $2,422.00 per month at age 65 $221,391.20
6. Joint savings account/certificate of deposit/
money market account at Members 1st FCU $59,749.00
Vehicles
7. 2004 Escalade $28,685.00
8. 2001 BMW 325 $11,820.00
9. 1996 Tahoe $5,510.00
10. 1998 BMW 323 I.S. -R. title mileage
unknown (Lauren)
Other
11. New furniture, appliances, riding mower, sauna,
television, etc. at 1034 Dogwood Lane, Enola $29,175.00
Wife Husband
12. Furniture at Myrtle Beach property (value at cost) $13,089.00
13. Arts/prints-to be appraised and divided equally
14. Boat/guns/misc. items $5,700.00
15. Life insurance-cash surrender value
7/5/07 $20,953.21
16. Jewelry (estimated value at cost) $30,000.00
Debt
17. 2nd mortgage on 1034 Dogwood Lane,
Enola-Members 1 S` FCU balance 9/24/07
$92.845 ($84,424.00)*
*balance at separation; wife drew down additional $15,254.97 post-separation
18. Mortgage on Myrtle Beach property-GMAC
balance 9/3/07 $91,468 ($97,000.00)
Non-Marital Assets
19. 217 Burnhill Road
building lot
20. 2003 BMW 330 X1
21. Various firearms
22. Boat-Fisher
23. Gift from grandmother $7,000
in safety deposit box
Reason for Exclusion
post-marital purchase-March 2006
post-marital purchase-March 2006
pre-marital
Expert Witnesses
James Sprague-appraiser (1034 Dogwood Lane, Enola, PA)
Linda Williams-appraiser (1611 State Road, Duncannon, PA)
Sarah Devers-appraiser (409A 77d' Avenue North, Myrtle Beach, SC)
Other Witnesses
None
Exhibits
1. Appraisal-1034 Dogwood Lane, Enola, PA
2. Appraisal-409A 77`h Avenue North, Myrtle Beach, SC
3. Appraisal-1611 State Road, Duncannon, PA
4. Vanguard 401(K) balance 9/30/07 (Wife)
4a. Capital Blue Cross Retirement benefit 4/3/06 (Wife)
5. Highmark retirement and 401(x) 8/25/06 (Husband)
5a. Highmark retirement and 401(K) 9/20/07 (Husband)
6. Members 1" FCU account statements
7. 2004 Escalade-KBB estimate
8. 2001 BMW 325-KBB estimate
9. 1996 Chevy Tahoe-KBB estimate
10. 1998 BMW 323 1.S.-KBB estimate
11. List of furniture and values-1034 Dogwood Lane
12. List of furniture and values-Myrtle Beach
13. List of art/prints and values
14. List of property in Husband's possession and values
15. Life Insurance-cash value 7/5/07
16. Jewelry
17. Mortgage balance Members Pt FCU-1034 Dogwood Lane date of separation
17a. Mortgage balance Members 0 FCU-1034 Dogwood Lane 9/24/07
18. Mortgage balance GMAC-Myrtle Beach property 9/3/07
19. Reasonable annual rental value of Myrtle Beach property
Gross Income
$7,750.00 per month as per order of court November 7, 2007
Pension/Retirement Benefits - Hiehmark
401(x) 8/26/05 $221,391
7/20/07 $272,616.21
Pension Annuity Entitlement 8/26/05 $2,422.31/month
7/20/07 $2,809.75/month
Exhibits 5 and 5a
Counsel Fees
No claim
Marital Debt
Marital debt consists of the mortgages on 1034 Dogwood Lane, Enola, and 409A North 77th Avenue,
Myrtle Beach. The mortgage on 1034 Dogwood Lane is a home equity loan used to purchase Cadillac
Escalade ($43,000.00) currently in Wife's possession. Wife also made post-separation advances from the
home equity loan totaling $15,254.97.
Proposed Resolution
It is proposed that the marital property be divided equally between the parties. Each of the parties would
retain their retirement accounts and any other property would be distributed or sold and the proceeds
divided equally.
It is submitted that alimony is not necessary in this case in light of the value of the marital assets and the
earning capacity of Wife.
1C\
TimothJ.Or squire'-
TURNS ND 'CONNELL
4415 North Front Street
Harrisburg, PA 17110
717/232-4551
Attorney for defendant
y'
iYK
APPRAISAL OF REAL PROPERTY
LOCATED AT:
1034 Dogwood Lane
33W-899
Enola, PA 17025
FOR:
Jeff Linsenbach
AS OF:
May 12, 2008
BY:
James Sprague
James Sprague Appraisal Services
1918 Bradley Drive
Harrisburg, PA 17110
GOW Properly Appraiser VlT)652-1088
Form GA2 - `TOTAL for Undows' appraisal software by a la mode, Inc. -1-800-&WODE
[-:-*N?tt 41
CapW Property Appraises(717)652-1086
Won Residential Appraisal Report M#
The pNm at this is to pmvide me lender/client with an accurate and a u of the mwW value of the
Enola Stale PA Zip Code 17025
Propq Address 1034 Dogwood Lane C
.
Boffower Owner of Pudic Record Linsenbach Counly Cumberland
33w-699
Aseessa's Perool # o9-13-0898-111 Tax Year 2005 RE Taxes; 4,251
Nd*kwW Name M Reference 09-13-0998-111 Census Tract 111.12
Owner Tenant vacef iet A"Wneds $ PUD HOA; El per Year EJ Per month
Pmwtj R' Fee PNW 11 Leasehold Ober describe
Au*tW T Purchase Transardw Refinance Transaction Oliver describe Divorce Settlement
WAK/CfMtnt Address
Is the mod pgft c olUed for sale or has it been m%W for sak in de twelve months prior to the effective dale of this app'? Yes No
ROW dais saace a used s and d1106). MLS
I ? did ® did not v*n the contract for sale for the subject pmhase transaction. Explain the results of the analysis of the conked for sale or why the analysis was not
Performed Not under oontract-Dirroroe Settlement
Conh at Rice; Dale of Cataet Is the womW seller the owner of putft record? Yes No Data Sources Courthouse
Is t we acv lkmeW arsietom (ban charges, sale cowessaxs, gift or downpaymW assistance, etc.) to be paid by any party on behat of the bwowe? ? Yes ®No
If Yes, mW the toW dour amoad and tiescnbe the isms to be paid.
Nap: Raw and tits mW rift mod pass.
Nswwkwawmwww
Location 11 Urban Sutobm Wai
BullOwe 75% 19 26-75% Unudv 25% O wow Trwdn
Rw*VAn lmnsmg ER Stable
in Balauee One SW*
wily *wU*Nouft
PRICE AGE
;
bgs ftuent Lard Use %
On" 95%
2-4 Uri 0%
Gm* Stable Sbw M Time Linder 3 mtis 3.6 mlW Over 6 nts 200 Low 1 MWbh* %
Sotmil rigs Erwla Suburban. Residential In use. South of Valli Road north of Wertzvlle 400 High 100 Co medal %
Road wed of the Susquehanna River east of 1-81. 250 Prod. so OBar 5%
MaJor routes of travel are located within a reasonable distance of the su ct. E meet for the area is rated as nood.
The sublect borhood is in the stable phase of lies His cycle. Supply and demand seem to be in balance. No adverse conditions are noted.
Market Condlions i nC for the above conekow Marketin conditions appear active for this time of year. There are various loan programs
a conventional and mental programs and rates ranalra from 49A ARM to 7% Faxed Rate programs. Marlcetin time for
housing Wced Is within 3 to 5 months. Sales concessions aftwuh evident in some transactions are not
Dknemdas "- Area .31 acres ShW Rectangular View Good
Wk Zwk ClaaiRcabon Residential bin DISCODA Residential
Qandfal)nered Ilse No d-be
Is the hoW and best we at s as improved or as and spedkdm) the patent use? Yes No N No, describe
W&Aw NO Odor(dwilm) Public Other(dowbe) OR-lb - Type Pok
BMW* Water Street Asphalt
an UARY Sower
FE IA SpecW Rood Hand Area Yes No FUTA Rood Zone C FBAA Map # 42038-000005C FEMA Map Dde WA
Are the Wits and off-* br the melat area? Yes No 0 No descrft
Are bare adverse site co ndibors or ohmel factors easements enxoadmwt% environmautel cwd fim, lad uses, etc.)? Yes No d Yes rlesrxbe
F
GKodDow"on
Ikuis ore One weh Ac Unit oumlWon
Concrete Slab Crawl Sim End ft wAwWy=KNw
Foundation Wale Poured Corio-good koft mdwWQtw Mlw
Floors CrpVWnvVwdvood
# Of States 2 Rd Basemwl Partial Bassmsd E*rbr Wass ale drywall-good
T Det, At S4)et./End tkd
Under Cont.
TradNiorual hesowt Area 1,382 .fL
Basement Rniah 81 %
Onside Er*y/W El Sump Pun Roof Surface Asphaft-good
GuUas 6 Dowmpouts Aluminu ood
WkWow T Casement-good TririfF kh wood-uood
Beth Floor vmyl-good
Wakscel care cod
Year Bust 1969 Evidmoe of kfestifim Stem Sa Wkwuhfed Now
f3b*n 1 o , oft Screens Ddwway
'01 Cars 4
Nana R18 ILI Radia Ame n6es Waodslon s # Srafaalt
Stairs OHM Elec s # 1 fsrnce :
G&W ct Cus 2
Roo Seattle Cenkd Ak Cw4boft ER Paii gwk Ptrdn Front Ca f Cars
Fi}Wiled knd A" Oliver Rxf Abv Gmd Other AR OL Bunn
R Own Obluwadbr Mbowave Offer dwb
Rruw are show ceruWins: 9 Rooms 4 Bedrooms 2.5 Bath S 2,498 SQm Fed of QM Lyn Area Above Grade
Add lonw haloes dkient flans, dc.).
Describe due rxtndWn of the needed mgm, deterioration, renmrdbrs, remooft, de.. Good condition no repairs needed.
Are dare any pN*W defiek to or adverse wn0m duet stied the ' , mwAnew, or kftft of the pmpeq? Yes No N Yes, describe
Does the proWV go** erordam to due , condition urse casknetion ft.)? Yes No 0 No, describe
Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005
Form 1 004 -'TOTAL for Wmdows' appraisal software by a la mode, inc. -1-800-ALAMODE
Uniform Residential Appraisal Report fge#
cmpffm 11141)(1110 aare offered for sale n the n pice from a to a
3 sa%s n the neighborhood wft Vie tvroive ' n sale Pipe from a 239 to $ 286 pad
FEATURE Sl1mT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3
1034 Dogwood Lane
Enola PA 17025
V 929 Maplewood Lane
Enola PA 17025 4 Wexrord Drive
Enola PA 17025 807 Brfsbain Lane
Enola PA 17025
o SU*d 0.31 miles O.e1 miles 1.10 miles
Sala PricAlum Lit Area
Do Smuce a a
a .ft a 239.900
a 101.10 .ft
MLS-Publc Record a 263.500
a ,02 29 .ft
MIS-Pudic Record $ 288 750
a 103.55 .ft
MILS-Public Record
Verification sources Broker Broker Broker
VALUE AWLISTMENTS
Sales or Ftnsncng
Concessions
Dab of S11e/fem DESCRIPTION DESCRIPTION
Conventional
DOM 31
4/1312006 _±L-) a A*xbmt DESCRIPTION
Conventional
DOM 41
2/28/2006 + $ Aoishmnit DFSCRIPTION
Conventional
DOM 5
4428/2008 + $ A*Wmmt
Location Subwban/Good Suburban/Good Suburban/Good Suburban/Good
Leauhd fw gffq*
Sla
vow Fee Sinnole
31 saes
Good Fee Simole
19 acres
Good Fee Simme
.21 acres
Good Fee Si
.19 saes
Good
Design ftle) Traditional Traditional Trad tional Traditional
of Canstrucdon Good Good Good Good
Aduat Age 17 Years 7 Years 3 Years -3. 3 Years -3,000
ColMm
Above Grade Good
Tam! BAma
Ida Good
Tam! Bdlme
Bays Good
Tab! !lints
Bars Good
Tom! Bdrrrs
Baas
Roorn Cad 9 4 2.5 9 4 2.5 9 4 2.5 9 4 3.5
Grans I.Mng Area
Basement 8 R*hed
Roans Below Grade 2.498 .ft
1,382 Sq.Ft.
81% 2,373 .ft
1,200 SF
50% Finished +2 000
+4.000 2,576 .ft
1,422 SF
80% Finished -1.000 2,576 .ft
1,422 SF
80% Finished -1,000
FmIloral Good Good Good Good
EFFA-C-AC GFFA/C-AC GFFA/C-AC GFFA/GAC
HNciart hills
omwxww 2 car-attached 2 Car-attached 2 Car-attained 2 Car-Attached
PwdtlPat Wftk
FP Pordr/Patio
1 FP PorchiPatio
1 FP Porch/Patio
1 FP P Deck
1 FP -2.500
Above Grand Pod +1 000 +1 000 +1.000
WP Tub -2 000
Nat
A*dsd Sale Price
of
gre
I dal did not research t
e sale or transfer hist +
ry of Vie stkW ga S 7 LOO
0
a :14
p" and curnpusbia
+ -
ales. I not,
a 5,000
$ 258.5Q0
+ -
a 5500
a 261.250
mmh did did not roved any Prior sales a haratere of the sub Tor the #m ' Vi the dbchm data of this
aWWW
.
DW SIW*S) MILS. Courthouse
month did did not mreei mw prior sea or transfers of the corriparablie sales for the year prior In the dam of sale of the corniarable sale.
Dam Souses MILS Courthouse
PAW11111 reais gift research and of the Prior sale or hanabr ' of the &W propeft and sorbs (feW addlional sales on 3).
ITEM SINIJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3
Dale of Prior I WTn IrWff No sale other than above No sale other than above No sale other than above
Price of Prior Saldfransbr MLS-Courthouse MLS-Courthouse MLS-Courthouse
Dap Source(s) MLS-Courthouse
Efb*m Dame of Data S 4/1108
Amk,ds of x1or sale or transfer history of the and p2mma sales
of Sales The sales were chosen after a thorou search for sales in the subject market area and are the best available
for comparison to the sublact. The sales after ad stments establish a ran of vahm for the subject. The subject Is in good condition as are the
cormoarable sales and supports a value in the middle of the ranoe of the conryarable sales Presented.
Indicated Valera Sales a 255,000
hndoaled Vafae W. Salae a 255 000 Coil kovesch(ildwdC-P4$ 259,767 hMM (If a
made ® "as le", ? subject to completion per pans and sperdficdons on the basis of a hypotlneNccel condition tial the inprovennenm have been
subject to the Mowing repairs or abrabons on the basis of a hypothetical condition that the reps or alerations have been ampkled, or ? subject to the
inspchon based on the witraordinary aassmilition that the condlion or deficiency does not almrabon or
P
Based an rbrtal I oni of 1M hnmarlor and anew a tlta aafhnd .cop. amamasunt of aamm*dm and Isli ig
appreber's mY (ear) ophrion of Ike reuket vehte, es of real praperllr eub)act of ihN sport b
295851;
aeof May 12 2008 which N the data d krssarJlon rM rhs .fa.dw. n.r ?r run.
Freddie Mac Form 70 March 2005 Pape 2 of 6 Fannie Mae Form 1004 March 2005
Form 1004 - TOTAL for Wndows' appraisal software by a Is made, inc. -1 AD ALAMODE
Uniform Residential ADDraisal Report F&&
CWTAPPMWTOVALi 0W Fatpr NW
Pm" a idormWm for the lerrdmlcient to the bebw cast and cdwwions.
for tlas of sae vahde ? lend sales a attier metlrods for ste vahre
ESTIMATE REPRODUCTION OR RMACEMENT COST NEW OPIMON OF S[TE VA M --------------- ................ _. ---. =S 40,000
Soave of coat data Maraha0 valuation Service DWEUM 2,41M FL $ 80.00 ............. =S 199840
Oak mft from cost service Good EffWM dote of cost dab SM 1,382 L S 30.00 ------------- =S 41.450
comment on Cast am cahul*m, dwwmm, ate. . =S
GwdgelCmW 448 .FL $ 10.00 ............. =S 4 430
Tout F.stnaM of Cost-New ............. =S 245,730
Less I Fura timid E*mW
Depcidim 40 963 =i 40.963)
, Cost of rmnerb _ ...............
Dopecided ........ .---.. _------------- =S 204,767
'Asia' WE of Sae hnl)mvaments -- ------ -. ..................... ........ - =S 15,000
Estlrbed Romm" Ecarrawth and VA 50 Yaws INOICATMVMABYCXrAPPROACH _------- -------_.....=i 259,767
WW APPROACH Tb VNX (pot Fade NW
Es>hr" Nloft MwW Rent $ X Gross Rent MuWff = $ hatiea ted Vabe mco na Awowh
of hrcane for nadpt rail and GRM
PRO, M MFCW7IDN FOR PWv W )
is the Idradm m mw of the Hmr«s mm, Associoiion ? Yes No Una s Dada hW Atbd
Prwide ilia Idpwing fnbrmatloo for PUDs ONLY N the Auada is in conhd of the HOA and the ago popeg is an ofthed dwd
Nana d W
m unt
Toll mmbm of Tall mnbm of Wh Total number of arils sold
Toll number of mmb rented Total mmabm of umb for We Data mm(s)
Waste Crealnd the com im d ' s hrto a PIA? Yes No # Yes, date of carwmsion.
Does the Woject contra any multi-Mft wh? Yes No Data Source
Are the etas, common ebne*, and mereatbn iacilks 2 Yes No M No, describe the stabs of con '
Am the censrgn demmrt leased to or the Hww wrma' Associadm? Yes No H Yes, descn'be the rectal terms and options.
Describe common dements and recreational aCiibes.
Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Form 1004 March 2005
Fame 1004 -'TOTAL for Windows' app W s* m by a t made, im. -1. M ALAMODE
unlrorm Kesiaenuai Appraisal Report Me#
This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory 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.
This appraisal report is subject to the following scope of work, Intended use, intended user, definition of market value,
statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the Intended
use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
expand the scope of work to Include any additional research or analysis necessary based on the complexity of this appraisal
assignment. Moolfications or deletions to the certifications are also not permitted. However, additional certifications that do
not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's
continuing education or membership in an appraisal organization, are permitted.
SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the
reporting requirements of this appraisal report form, Including the following definition of market value, statement of
assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual
inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the
comparable sales from at least the street, (4) research, verity, and analyze data from reliable public and/or private sources,
and (5) report his or her analysis, opinions, and conclusions In this appraisal report.
INTENDED USE: The Intended use of this appraisal report Is for the lender/client to evaluate the property that Is the
subject of this appraisal for a mortgage finance transaction.
INTENDED USER: The intended user of this appraisal report is the lender/client.
DERNITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open
market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming
the price is not affected by undue stimulus. Implicit: in this definition Is the consummation of a sale as of a specified date and
the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both
parties are well informed or well advised, and each acting in what he or she considers his or her own best Interest; (3) a
reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash In U. S. dollars or in terms
of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold
unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale.
*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are
necessary for those costs which are nomlally paid by sellers as a result of tradition or law in a market area; these costs are
readily Identifiable since the seller pays these costs in virtually all sales transactions. Special or' creative financing
adjustments can be made to the comparable property by comparisons to financing terms offered by a third party Institutional
lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical
dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's
reaction to the financing or concessions based on the appraiser's judgment.
STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is
subject to the following assumptions and limiting conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title
to it, except for information that he or she became aware of during the research involved in performing this appraisal. The
appraiser assumes that the title is good and marketable and will not render any opinions about the title.
2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements.
The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination
of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency
(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an
identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or
implied, regarding this determination.
4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,
unless specific arrangements to do so have been made beforehand, or as otherwise required by law.
5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, etc.) observed during the Inspection of the subject property or that he or
she became aware of during the research Involved in performing the appraisal. Unless otherwise stated In this appraisal
report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the
property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,
adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such
conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such
conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist.
Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as
an environmental assessment of the property.
6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory
completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will
be performed In a professional manner.
,,,o,. , .1- -malull LVVJ Page 4 of 6 Fannie Mae Form 1004 March 2005
Form 1004 -`TOTAL for Windows" appraisal software by a la trade, inc. -1.800-ALAMODE
unrrorm Residential Appraisal Report Fk#
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that.
1. 1 have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in
this appraisal report.
2. 1 performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition
of the improvements in factual, specific terms. I Identified and reported the physical deficiencies that could affect the
livability, soundness, or structural Integrity of the property.
3. 1 performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal
Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in
place at the time this appraisal report was prepared.
4. 1 developed my opinion of the market value of the real property that is the subject of this report based on the sales
comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach
for this appraisal assignment I further certify that I considered the cost and Income approaches to value but did not develop
them, unless otherwise Indicated In this report
5. 1 researched, verified, analyzed, and reported on arty current agreement for sale for the subject property, any offering for
sale of the subject property In the twelve months prior to the effective date of this appraisal, and the prior sales of the subject
property for a minimum of three years prior to the effective date of this appraisal, unless otherwise Indicated in this report
6. 1 researched, verified, analyzed and reported on the prior sales of the comparable sales for a minimum of one year prior
to the date of sale of the comparable sale, unless otherwise indicated In this report
7. 1 selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property.
8. 1 have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that
has been built or will be built on the land.
9. 1 have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject
property and the comparable sales.
10. 1 verified, from a disinterested source, all information In this report that was provided by parties who have a financial Interest in
the sale or financing of the subject property.
11. 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
services, tax assessment records, public land records and other such data sources for the area in which the property is located.
13. 1 obtained the Information, estimates, and opinions fumished by other parties and expressed In this appraisal report from
reliable sources that I believe to be true and correct.
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 1 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 knowledge, all
statements and information in this appraisal report are true and correct.
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 Nmlting 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 arty 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 supporting) a
predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of
any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending
mortgage loan application).
19. 1 personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I
relied on significant real property appraisal assistance from any Individual or Individuals in the performance of this appraisal
or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this
appraisal report. I certify that any individual so named Is qualified to perform the tasks. I have not authorized anyone to make
a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and 1 will take no
responsibility for It.
20. 1 identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that
ordered and will receive this appraisal report
neume mac rorm to marcn zuub Page 5 of 6 Fannie Mae Form 1004 March 2005
Form 1004 -'TOTAL tar Windows` appraisal software by a Is mode, inc. -1-800-ALAMODE
Uniform Residential
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 parry (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 arty mortgage finance transaction that involves any one or more of these parties.
24. If this appraisal report was transmitted as an "electrons 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) contahled in this appraisal report may result in civil liability and/or
criminal penalties h eluding, 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.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that
1. 1 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.
APPRAI"" James Sprague
Sigrre
Name _ S
Compar James Sprague ADOraleai Services
Compar.,. ,_-.--- 1916 Bradley Drive
Harrisburg, PA 17110
Telephone Number 717-545-6903
Email Address rpim@comcastmet
Date of Signature and Report may f e. 2006
Effective Date of Appraisal May 12.2006
State Certification # GA-001549-L
or State License #
or Other (describe) State #
State Pennsylvania
Expiration Date of Certification or License 6/30/2007
ADDRESS OF PROPERTY APPRAISED
1034 Dogwood Lane
Enola. PA 17025
APPRAISED VALUE OF SUBJECT PROPERTY $ 255.000
LENDER/CLIENT
Name Jim Linsenbach
Company Name
Company Address
Email Address
SUPERVISORY APPRAISER (ONLY IF REQUIRED)
Signature
Name
Company Name
Company Address
Telephone Number
Email Address
Dante of Signature
State Certification #
or State License #
State
Expiration Date of Certification or License
SUBJECT PROPERTY
? Did not Inspect subject property
? Did inspect exterior of subject property from street
Date of Inspection
? Did inspect Interior and exterior of subject property
Date of Inspection
COMPARABLE SALES
? Did not inspect exterior of comparable sales from street
? Did inspect exterior of comparable sales from street
Date of Inspection
Freddie Mac Form 70 March 2005
Page 6 of 6
Form 1004 -'TOTAL for Windows' appraisal software by a la mode, inc. -1.800-ALAMODE
Fannie Mae Form 1004 March 2005
Subject Photo Page
cant
Property Address 1034 Dogwood Lane
C Enola Courb Cumberland Slate PA Code 17025
Umder
Subject Front
1034 Dogwood Lane
Sales Price
Gross Living Area 2,498
Total Rooms 9
Total Bedrooms 4
Total Bathrooms 2.5
Location Suburban/Good
view Good
site .31 acres
Dift Good
Age 17 Years
Subject Rear
Subject Street
Subject on Left
Form PIC3M5.SR -'TOTAL to Windows' apgaIW software by a Is mode, inc. -1-M-ALAMODE
Comparable Photo Page
B~CW
Address 1034 Dolpmood Lane
Enola County Cumberland State PA Tip Code 17025
Lender
Comparable 1
929 Maplewood Lane
Prox to Subject 0.31 miles
Sale Price 239,900
Gross Living Area 2,373
Taal Rooms 9
Total Bedrooms 4
Total Bathrooms 2.5
Location Suburban/Good
view Good
Site .19 acres
QLh* Good
Age 7 Years
Comparable 2
4 Wexdord Drive
Prox to Subject 0.61 miles
Sale Price 263,500
Gross Living Area 2,576
Total Roans 9
Total Bedrooms 4
Total Bathrooms 2.5
Location Suburban/Good
view Good
Site .21 acres
Oually Good
Age 3 Years
Comparable 3
607 Bdsbain Lane
I'm to $*ad 1.10 miles
Sale Price 266,750
Gross Living Area 2,576
Total Roars 9
Total Bedrooms 4
Total Bathrooms 3.5
Location Suburban/Good
view Good
site .19 acres
Quality Good
Age 3 Years
Form PIGM6.CR -'TOTAL for Windows, appraisal software by a la mode, inc. -14=.ALAMODE
APPRAISAL OF REAL PROPERTY
LOCATED AT:
409 77th Avenue North
Parcel A LT 6 BL 16
Myrtle Beach, SC 29572-3844
FOR:
Jeffrey L. Linsenbach
33 Southmont Drive,Enola,PA 17025
AS OF:
May 19,2006
BY:
Sarah Devers
Cockinos Appraisal Service
Form GA3 -'TOTAL for WkWoW appraisal software by a la mode, inc. -1-BWALAMODE
ah16,f 001W
SUMMARY OF SALIENT FEATURES
Subject Address 409 77th Averwe North
Legal Description Parcel A LT 6 BL 16
City Myrtle Beach
Coady Hory
State SC
Zip Code 29572-3844
Census Tract 0503.00-3
Map Reference 165
Sale Price $ N/A
Date of Sale N/A
Borrower/ Client Jeff Lirnsenbech
Lender Individual request
Sae (Square Feet) 1,233
Price per Square Foot S
Location 3 blks.fr.Oosan
Age A231010
Condigon Average
Total Rooms 4
Bedrooms 2
Baths 2.5
Appraiser Sarah Devers
Dale of Appraised Value May 19,2006
Final Estimate of Ventre $210,000
Form SSD -'TOTAL for Windows' appialsal software by a la mode, inc. -1-MALAMODE
Mike Cockkros Appraisal Service, Inc.
Form 1004 - *TOTAL for Windows' appraisal software by a la mode, inc. -1400 ALAMODE
rreaare Mac Form 70 March 2005 Pape 1 of 6 Fannie Mae Form 1004 March 2005
Uniform Residential 0620819d
Appraisal Report Rb# 062081 ad
Ttore are 37
There are 62 cmmz* Sales In the s
FEATURE SUBJECT dered for sale In the
mWbxhoOd MW the most bvdve mort
COMPARABLE SALE # 1 In price tram $ 100.000 m $ 625,000
is rdong in Sale pIce from $ 68, 000 io $ 350,000
COMPARABLE SALE # 2 COMPARABLE SALE # 3
Address 409 77th Ave. North #A
Wille Eleach SC 311 75th Ave.North # 22
Myrtle Beach 308 71 at Avenue North #K
Myrtle Beach 307 77th Avenue North #6
Myrtle Beach SC
NObb ID SUNI)d 0.25 miss 0.46 miss .11 miles
Sale Price $ N/ i 209,000 S 209,900 i 193,903
Sale PricrVGross LN. Area $ .R. $ 154.81 911 R S 182.36 .ft 193.71 R
D S MLS# 199617 MLS# 1201392 MLS# 202535
Vkftwm SWIWS)
VALUE AD.1l61AIM
DESCRIPTION Ddbk 301 03
DESCRIPTION 63
+ - $Ad Ddbk 3068 0
DESCRIPTION 604
+(-) $ AdMimerit Ddbk 3081 0
DESCRIPTION 425
+ - E Ad esbrhehd
Sales or Rr mft
Concessions Convertional
None Known Conventional
None Known Conventional
N/A
Dais of SdWTkm 11/21/05 02116/06
Location 3 blks.fr.Oceen 2 block *.Ocean -10, 2 biks.fr.Oceen -10,000 2 biks.fr.Oosan -10,000
Letadok As SkVb Fee Simple Fee Shple Fee 81mole Fee Sknple
Sae TVDICal TOWNI' . TVPiWI TH TV&W TH Typical Townhis.
Vow other kniler Similar other townhom
Desim le Townhome/A TownhomdA Townhome/A
of Conalfuctan ::JA
W A
+5.000
Brk/Wood/A
W FrJA
+5.000
Antral : A 26JEIT 10 A 29/EfT 15 +5 A 251Eif 10
Co
rdAion W
A
Average
Average
Above Grade TOW Brine. Brans Teal N= Baths Tall Bdrrr Bft
Room Coma 4 2 2.5 4 2 2.5 4 2 2.5
Gross Uft Area 1233 1.350 .11t. -4680 1,151 .fL +3.2 80 1,001 JL +9.280
Be mmi t b Frhislad
Roam Bebw Grade None
N/A None
N/A None
N/A None
N/A
FhahWW Averam Average Amerane Average
Hedm*dni FWA/Central FWA/Cerrtral FWA/Cerdral FWACAmtral
Eogy Etlcied tars Heat Pump Hest Pun Heat Pmp Pump
n Pka. O Open Pk a.
Pabo Bab" Dec /Elaic
anhres Fut Kitchen ._: Sknier Similar Full Kitchen
RIVIAM Fireplace F Nome +2.500 None +2 500
Net A*~ (rotgO + - $ 9680 + - S 780 + - $ 6780
mmm sale Price
d Net 4.6 %
Bras 9.4 %1
199 320 Net D.4 %
Grose 19 %
1
21O.WO
Net 3.5 %
(iron 13.8 %
200.683
I did did not research to sale or trethsbr ' of to and compmbl e sales. I
research did did not reveal sales or transfers of the for to tree Mis prior to the dlectim dale of his sisal.
Data SmWs) Tax Records
reseudh did d'd not reveal any prior sales ortransfers of the cmvm* sales far tlo prior t to date of sale of ft ace sale.
Data Sol
Tax Records
R
imi the reads of to research and le of to prior sale or transfer Wstm of the su ' and oft (rapW additiond sobs on pipe 3).
ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3
Date of Prior Sdo/Trmk OM0104 No Drior sales in past 3 we. No prior sales in the Dest 3 No Drior sales in past 3
Price of Prior S&WTmwfer $125,000 years years.
Dale SWWS) Ddbk 2T70=77 county records county records county records
Etfed" Date of Data Sou s
Amtsis of sale or tresier Wdm current current
y of the and ommatile Sales Subfect sold as current
shown above.Ths 3 comoar current
ablo sales did
mr sae in trw
Form 1 004 -'TOTAL for Wfmdows' appraisal software by a le mode, inc. -1.800-ALAMODE
Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Ma Form 1004 March 2005
Worm Residential Annrakal Rannlrt 062081sd
COST APPaoAf)H TO VALUE nd nq*W by Fm* Mn
Provide Weguft Wwn0m for the knder/dient ty m** On below cost ftm and ukd*m.
SQPW for rte OWN of sde value sun or cwvmabb land sales or olw methods fa eskeft site vane not dayaWW.
ESTIMATED REPRODUCTION OR REPLAGMY COST NEW DPM OF SITE VALUE _.__----------- --------------__-- =S
Source of cost data DWELLING .FL $ -- =$
from cost service Eftft date of cost data
Conmrerrts on Cost Ammch area c*ulftm, oVmdm!M a. .F $ _- =S
Sq.FL $
- ai
ToW Estimate of Cost-New -•------- =S
Less RN*W FurrdtaUrl Eftnal
=i
Devecisled Costal kapmvemerts -- - - - - ------ - - _$
We Value of Site -
Esf n*d Remeb Emu* Life (HUD and VA ordy) Years IM7ED VAIA BY CCSTAPPROACH --------- ----------- ------ ----- ----. ai
NCOIIE APPIKIM TO VALU E not W*W by Fends We)
Esbrrebd Mwft Mariret Reid $ N/A X (BOSS Rant MuWW = $
Su of Inane Approach n for ffWM reR and Indicated Vetre Imome Approach
PROW WWMATIDN FOR PUN 11 )
Is ilte rAdlder In cm*d of the Homaormas' Amocom pa)? Yes No Unk s Detmw ABaetre
Provide the lobwing kWn dm for PIAs ONLY N the Awdder is in amtrd of rive HDA and the s is an auched dwd
LNW Name of RoWd Summer House III d
q ua
TOW nrmb8r Of ftses 1 Total marlber of Urals 5 ToW m tuber of udls sold 5
Toted mmber of latch varied Unk Tool mmber of ands fa sale None Dab solaces checked MLS:Impecti on
Was the P*d created the WmI w*n of adsft s kb a PUP Yes No 0 Yes dab of Mwwsim. N/A
Does the PmJed mntein any ma-dwellitio urds? Yes No Data Source I n
Are the ands, common elamb, and m mWw facWJm cmo*? Yes F-I No M No, describe the states of completion.
Are the common de nents leased to or the HOr11B0w=' Assomm? Yes No B yes. desralbe the renW tams and
Describe common a mwb and mmealional fadhes. omrhmrd 8 parkina
bums mac rune /u marlin zuuo Page 3 of 6 Fannie Mae Form 1004 March 2005
Form 1004-'TOTAL for ftdows• appraisal software by a b mode, inc. -1-800-ALAMODE
Uniform Residential Appraisal Report Fhl "o62os;d
This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory 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.
This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,
statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended
use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal
assignment Modifications or deletions to the certifications are also not permitted. However, additional certifications that do
not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's
continuing education or membership in an appraisal organization, are permitted.
SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the
reporting requirements of this appraisal report forth, including the following definition of market value, statement of
assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual
inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the
comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources,
and (5) report his or her analysis, opinions, and conclusions in this appraisal report.
INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the
subject of this appraisal for a mortgage finance transaction.
INTENDED USER: The intended user of this appraisal report is the lender/client.
DERNITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open
market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming
the price Is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and
the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both
parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a
reasonable time is allowed for exposure in the open market; (4) payment Is made in terms of cash in U. S. dollars or in terms
of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold
unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale.
*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are
necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are
readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing
adjustments can be made to the comparable property by comparisons to financing terms offered by a third parry institutional
lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical
dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's
reaction to the financing or concessions based on the appraiser's judgment
STATEMENT OF ASSUMPTIONS AND LIMRING CONDITIONS: The appraiser's certification in this report Is
subject to the following assumptions and limiting conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title
to it, except for information that he or she became aware of during the research involved in performing this appraisal. The
appraiser assumes that the We is good and marketable and will not render any opinions about the title.
2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements.
The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination
of Its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency
(or other data sources) and has noted In this appraisal report whether any portion of the subject site is located In an
identified Special Flood Hazard Area. Because the appralser is not a surveyor, he or she makes no guarantees, express or
implied, regarding this determination.
4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property In question,
unless specific arrangements to do so have been made beforehand, or as otherwise required by law.
5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or
she became aware of during the research Involved in performing the appraisal. Unless otherwise stated in this appraisal
report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the
property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,
adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such
conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such
conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist.
Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as
an environmental assessment of the property.
6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory
completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will
be performed in a professional manner.
Freddie Mac Form 70 March 2005 Page 4 of 6 Fannie Mae Form 1004 March 2005
Form 1004 - TOTAL for Windows' appraisal software by a Is mode, inc. -14OD-ALAMODE
Uniform Residential Appraisal Report W. os2of3; d
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1. 1 have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in
this appraisal report.
2. 1 performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition
of the improvements In factual, specific terms. I Identified and reported the physical deficiencies that could affect the
livability, soundness, or structural integrity of the property.
3. 1 performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal
Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in
place at the time this appraisal report was prepared.
4. 1 developed my opinion of the market value of the real property that is the subject of this report based on the sales
comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach
for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop
them, unless otherwise indicated in this report.
5. 1 researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for
sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject
property for a minimum of three years prior to the affective date of this appraisal, unless otherwise indicated in this report.
6. 1 researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior
to the date of sale of the comparable sale, unless otherwise indicated in this report.
7. 1 selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property.
8. 1 have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that
has been built or will be built on the land.
9. 1 have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject
property and the comparable sales.
10. 1 verified, from a disinterested saurce, all information in this report that was provided by partles who have a financial interest in
the sale or financing of the subject property.
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
services, tax assessment records, public land records and other such data sources for the area In which the property is located.
13. 1 obtained the information, estimates, and opinions fumished by other parties and expressed in this appraisal report from
reliable sources that I believe to be true and correct.
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 knowledge, all
statements and information in this appraisal report are true and correct.
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 arty agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a
predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of
any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending
mortgage loan application).
19. 1 personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal reporL If I
relied on significant real property appraisal assistance from any individual or Individuals in the performance of this appraisal
or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this
appraisal report. I certify that any individual so named Is qualified to perform the tasks. I have not authorized anyone to make
a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no
responsibility for ft.
20. 1 identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that
ordered and will receive this appraisal report.
rrrume mac roan iu marcn zuua Page 5 of 6 Fannie Mae Form 1004 March 2005
Form 11004 -'TOTAL for Wmdows, appraisal software by a la mode, inc. -140D AUNME
/ 04.J
Uniform Residential Appraisal Report Fkl 06208;sd
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 provislons 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 N 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, at seq., or similar state laws.
SUPERVISORY APPRAISER'S CERTIRCATION: The Supervisory Appraiser certifies and agrees that
1. 1 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 Sarah Devers SUPERVISORY APPRAISER (ONLY IF REQUIRED)
Signatuh Signature 144 7 11
"
Name Sarah . Name Mete f /,{R
Company Name Cockinos Apomisal Service Company Name Cockle= Aooraisal Servk e
Company Address Company Address
618 Chestnut Rd..Ste.103.Myr1b Beach.SC 29572 618 Chesft t Rd..Sta.103.MwIle Beach.SC 29572
Telephone Number 843-449-0423 Telephone Number 843-449.0423
Email Address sdeverstt49c.moom Email Address
Date of Signature and Report Mao 22.2006 Date of Signature May 22.2006
Effective Date of Appraisal May 19.2006 State Certification # CG 1025
State Certification # or State License #
or State License # A 4431 State Sc
or Other (describe) State # Expiration Date of Certification or License 6/3042006
State SC
Expiration Date of Certification or License 6/30/2o06 SUBJECT PROPERTY
ADDRESS OF PROPERTY APPRAISED ® Did not inspect subject property
409 77th Avenue North Unit A ? Did inspect exterior of subject property from street
Myrtle Beach. SC 29572-3844 Date of Inspection
APPRAISED VALUE OF SUBJECT PROPERTY $ 210.000 ? Did inspect interior and exterior of subject property
LENDER/CLIENT Date of Inspection
Name Jeff Li nenbach COMPARABLE SALES
Company Name
Company Address 33 Southmont Drlve.Enola.PA 17025 ® Did not inspect exterior of comparable sales from street
? Did inspect exterior of comparable sales from street
Email Address leffrev.irnenbaclOhiAhrnark.com Date of Inspection
rreame mac corm 7u march zou5 Page 6 of 6 Fannie Mae Form 1004 March 2005
Form 1004 -'TOTAL for windows" appraisal software by a la mode, Inc. - 1 -800-ALAMODE
Subject Photo Page
Borrower Gent Lkmnbach
Address Property 409 77th Avenue North
City Mode Beach Courb Horry State SC Tm Code 29572-3844
Lender NIA
Subject Front
409 77th Ave. North #A
Sales Price N/A
Cross Living Area 1,233
Total Room 4
Total Bed mns 2
Total Bathrooms 2.5
Location 3 blks.fr.Oosan
mew other tovmhomes
Site Typical Townhs.
OuaBly SkWWdJAvg
Ape A 23/Eff 10
Subject Rear
Subject Street
Form PICPD(.SR -'TOTAL for Wi ndoW appraisal software by a la mode, inc. -1.860-ALAMODE
Subject Photo Page
Borrower ield Linsenbach
.Properly Address 409 77th Avenue North
City Mvrtle Beach County Ho 29572.3844
Lender N/A
Entrance
409 77th Ave. North #A
Sales Price N/A
Gross Lift Area 1,233
Total Rooms 4
Total Bedrooms 2
Tara) Babooms 2.5
Location 3 biks.fr.Ocean
View other townhomes
site Typical Townhs.
ouaDty StucMd./Avg
Ape A 23/Eff 10
Form PICPD(.SR -'TOTAL for Windows' appraisal software by a la mode, inc. -1-MAIAMODE
Comparable Photo Page
Borrower Cleot Jeff Lrrsenbach
Property Address 409 77th Avenue North
City Beach Co Hofry State SC Zip Code 29572-3844
Lender N/A
Comparable 1
311 75th Ave.North # 22
Prox to Subject 0.25 miles
Sale Price 209,000
Gross Living Area 1,350
Total Rooms 4
Total Bedrooms 2
Total Bathrooms 2.5
Location 2 block fr.0cean
*w Similar
Site Typical TH
Ouatity WoodFrm./Avg
Age A 26/Eff 10
Comparable 2
308 71 at Avenue North #K
Prox to Subject 0.46 miles
Sale Price - 209,900
Gross Living Area 1,151
Total Rooms 4
TOW Bedroorns 2
Total BaBxooms 2.5
Location 2 blks.fr.0own
view Similar
Site Typical TH
Oudly Brk/Wood/Avg
Ape A 29/Eff 15
Comparable 3
307 77th Ave" North #6
Prox to Subject 0.11 miles
Sale Price 193,903
Gross Living Area 1,001
Total Roars 4
Trial Bedrooms 2
Toil Balhmoms 2.5
Location 2 blks.fr.0cean
view other townhomes
Site Typical Townhs.
Quality WoodFr./Avg
Age A 25/Eff 10
Form PICPDLCR -'TOTAL for Windows' appraisal software by a la made, Inc. -1-8004LWODE
Building Sketch (Page - 1)
Borrower end Jeff Lhsenbach
Nano Address 409 77th Avenue North
Beach Co Harry SC bp Code 29572-3844
Lender Jeff Llnsetbach
Law w
Master Bedroom
heater Bath
Kkohen Dbn9
Hd
l.eurMry
112 bath
d
N a
Stake ?
.gtBk6 Lk" Rom. Bath
eedioem
192' 19.8'
errs tv? let foot 2nd foot
CORa11e(dS:
am Hat !loos 5a7.20 5e7.20
Second Boor
L TOTAL LIVABLE (rounded) 1233
AREA CALCULATIONS SUMMARY
Coda DaaOrlpUon time NatTdMa
tiLr12 Second door 6e6.00 696.00
LIVING AREA BREAKDOWN
BMaaltdern 8tt6fotals
Hat !loos
19.2 z 28.5 5!7.20
19.6 x 35.0 696.00
2 Calculations Total (rounded) 1233
Form SNT.Bk1Sq -'TOTAL for Windows' appraisal software by 8 18 mode inc. -1-80MAMODE
Plat Map
Bwower fe Lkwnbach
ftpe* Address 409 77th Avenue North
Beach County Horry $0 SC ZiD ode 29572-3844
Lm* Jeff Lineenbech
28 q
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PHASE
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g rF' ?? 26
13
An X
Pone MAPPLAT -'TOTAL to Windows' appraisal software by a b mode, k. -1.800-ALAMODE
Location Map
Borrower lent Jeff Unsenbach
Address Rpoft 409 77th Avenue North
Clly Beach County H SC ode 29572-3844
LWer Jeff Lmwbach
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Farm MARLOC - "TOTAL for Windows appraisal software by a la mode, inc. -1-800 J AMORE
Flood Map
Borrower Ck Linsenbach
Prom* Aftm 409 77th Avenue North
City Myrtle Beach Cou* H SC AD Code 29572-3844
Larder Jeff Linsenbach
Prepared for:
T }
1 n leBFI OOd Mike Cockinos Appraisal Service, Inc.
- 409 77th Ave N
xww.!,Let flood.com • 1.800-252-5633 Myrtle Beach, SC 29572-4240
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Form MAPFbod -'TOTAL for Windows' appFaisal software by a It mode, inc. -1-BOQALAMODE
Ewing Residential Appraisals
A Summary Report
APPRAISAL OF
A Single Family Residence
LOCATED AT:
1611 State Road
DUncannon,PA 17020
FOR:
Jeffrey Linsenbach
BORROWER:
AS OF:
May 31, 2006
BY:
Linda D. Williams, PA State Certified Appraiser
Ewing Residential Appraisals
A Summary Report
raeiw.
Jeffrey Unsenbach
File Number: SF60601
In accordance with your request, I have personally inspected and appraised the real property at:
1611 State Road
Duncennon,PA 17020
The purpose of this appraisal is to estimate the market value of the subject property, as improved.
The property rights appraised are the fee simple interest in the site and improvements.
In my opinion, the estimated market value of the property as of May 31, 2006 is:
32,000
Thirty-Two Thousand DOII&M
The attached report contains the description, analysis and supportive data for the conclusions,
final estimate of value, descriptive photographs, limiting conditions and appropriate certifications.
44W-J( IJA-i?
Linda D. Williams, PA State Certified Appraiser
Prnnwrty rkacrrintinn UNIFORM RESIDENTIAL APPRAISAL REPORT Fik. Nn SFRrfRDt
PropenAddress 1611 State Road city Duncennon State PA Code 17020
LeW Description Deed Book 1221 Page 65 Cc" Perry
Assessors Parcel No. 210134.02-030 Tax Year 2005 R.E. Taxes $ 1,014.79 Special Assessments $ None known
Borrower current owner JeffirsiVII-inda Linserbsch Occupant 11 owner X Tenant Vacant
Fee SkrA* Leasehold ftled T PUD Coidominiun UDNA HORS WA Ala.
or Prolect Name Penn Township Reference DeLorme 7882 Census Tract 42099.0303.01
Sale Price S Date of Sale N/A Description and S amount of ban chergesicoincousloris to be paid by sale WA
Lender lent Jdhw Linsertbach Address
Apearrakser Lhtda D. W81ams PA S tale Cued A vaiser Address P.O. Box 23. Newmit. PA 170 74
Location Urban
BUR UP Over 75%
Growth rate Rapid X Suburban
X 25-75%
X Stable Rural
Under 25%
Slow Predominant
occupancy
owner Single family housing
PRICE s (coral AGE
38 Low New Present land use %
One feimly TO%
2.4 W* 2% Land use change
X Not Rielly ? Likely
8 In process
Property values X kiaeasktg Stable Declining Fit
I 215 High 100 K*4an* 0% TO:
Demendisupply Shortage X In' I e Oms4* Va®rt(6&9q Predominant commercial 5%
Markelfirm time! X Under 3 mos. 3-6 mos. Over 6 mos V-w
law 5N 1 90 80-80 Other 23%
-
Note: Race and the racial composition of the neighborthood are not appraisal factors.
Neighborhood boundaries and characteristics: The su ' is located in Pam Township which is considered the neighborhood.
Factors that affect the marketability of the properties in the neighborhood (proximity to employment and amenities, employment stability, appeal to market, etc.):
The subject is kxaW in a rssiderftl nell0bodiood among propeirtim of similar sWle and market a 1. Homes In the area are
maintained and occupied. All wrivenievow are easily accessible W the subject The subject is an approodirriets 15 minute tip time to
HarrisWirci the state calphol where empWrinent. higher edu aetionel and recreational opportunities are available. The other under land
use refers to municipal, vacant etc. uses not previously mentioned.
Market conditions in the subject neighborhood (including support for the above wncluslons related to the Mid of property values, demendlsupply, and marketing time
- - such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and financing concessions, etc.):
Market cortdiUorts for this time of r are a Supply erhd demand appew to be in belay im Seller cortoessions are mment in
the but are not a part of ewery real estate trans action and are usual limited to dosing oosts. In the year Pior to
irapeclion in Penn Townsh there were 17 solo single farm residence within an arywae settled time of 35 days and with an averrege
settled amount of S89 900. Per Central Penn MLS reporlL
Project Information for PUDs (If applicable) - - Is the developeribuilder in control of the Home Owners' Association (HOA)? YES X NO
Apprexkirmie total number of units it the subject project Approximate total number of units for sale in the subject project
Describe common elements and recreational facilities:
Dimensions 50 x 100 + 150 x 100
Site area .46 Acres Caner Lot Yes X No
Specific zoning classification and description C Commercial
Zoning rwmplance ? Legal X legal mtrortomhig ? use) Regal No zoning
Higliest & best use as Invioved: A Present use Other me Topography Basically Level
Size Typk;W for area
Shape Recanoular
Drainage Appeers adequate
View Residential
Utilities Pubic Other
Eledrialy X
Gas
wow Well
Sanitary sewer Private
Sti>rm sewer Off-site Improvements Type Pubic Private
Street Asphalt X
Curb/gutter None
Sidewalk None
Sired lights None
Akq None Landscaping Typical for Area
Driveway Surface Grevel
Apparent easements None a erent
FEMA Special Flood Hazard Arne Yes X Na
FEMA Zone C Map Date 02118/1981
FEMA Moo No. 420755 0015 B
Comments (apparent adverse easements, encroachments, special assessments, slide areas, illegal or legal nonconforming zonbg, use, etc.): There are no
rent essemerhts of encroachments. The subject does not appear to lie in a FEMA designated flood mom.
GENERAL DESCRIPTION
No. of Units 1 EXTERIOR DESCRIPTION
Foundation Cinder Block FOUNDATION
Slab No BASEMENT
Area Sq.Ft. 972 INSULATION
Roof
No. Of Stories 1 FxWW Wall Asbestos Cra mSpece No % Finished 0 Ceiling
Type (DetlAtt.) Detached Roof sutace Con Shi le Basement Full Callig Joist Wels
Design (style) Rench Gutters A Dw spts. Yes Sump Pump No Walls Cinder Block Floor
Exioi Vftposed Exists Vymdow Type Double Hu Dampness No Evide nce Floor Cement Nate
Age (Yrs.) 84 StarmlScreens Yes Settlenent No Evide nce Outskle Envy Yes wruo.o X
Effective Age (Yrs. 25 Manufactured House No Inastation No Evide nce
ROOMS F Kitchen Den Family Rim Rec. Rm. Bedrooms f Baths Laundry I Other Area S .Ft.
Basement 972
Level s 1 area 1 2 1 972
Level 2 0
Finatied area above carnuks. 4 Rooms: 2 Bedroom 1 Bath(s); 972 sm are Feet at Gross Lmw Area
INTERIOR MetaielsfCo ndkion
Flows WoodYi A HEATING
Type BBHW KITCHEN EQUIP.
Refrigerate P ATTIC
None AMENITIES
Fkeplace(s)i CAR STORAGE:
None XQ
Walls Plaster PeneVA Fuel Oil Range0ven X Staks X Patio Garage of cars
Trkwktsh Wood PaMVA CarndlbnA . Disposal Drop Stair Deck Attached
Bath Floor NA VA
Beth Wainscot F lass/Av COOLING
Central NO Dishwasher
Fan/Hood X Scuttle
Floor X Porch Wrap
Fence X Detached
Built-in
Doss Wood/A Other None Microwave Heated Pool Car
ort
CadaiahN/A WOhMver Finished p
Driveway 4-6
Additional features (special energy efficient items, etc.): The, sublixg has coif fans domestic hot water
Condition of the Improvements, depreciation (physical, functional, and external), repairs needed, quality of construction remodeinyadditions, etc.: The subleat is in
BMW oond lion on both the inferior and exlerW The subject has standard floor Plan and amenites. No evidence of Uricional or eoo ornic obsolesoerm was
observed. There was ttvidenoe of d6biled n1sif Taff a with adored and t an the exterior. The front wrap Mich appears to be in a deferioraled state and
from the sUttdure. There are was on the eftV asbeft shingles that are broken or aacked.
Adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances, etc.) present in the improvements, on the site, or in the
immediate vicinity of the subject property: No adveree wMronmenlat conditions were observed at time of i . The su ' was built
Vior t01976 and could contain lead based paint in its builds materials.
MUL 1 Ur le Fn UW FM ION 693
patluceensug ACi sobm lAO. A721..n.etlwb-
I impnRM RFSInFMT1Al APPRAISAL REPORT cneu., SFAnr%ni
vaIuau-n J611-I -- - - - -- -
ESTM4TEDSITE VALUE ........................... = $
ESTIMATED REPRODUCTION COST-NEW OF IMPROVEMENTS:
Dwel" 972 Sq. FL ® f = $ 0
Bsmt 972 Sq. FL f 0
Comments on Cost Approach (such as, source of cost estimate,
site value, square toot calculation and tot HUD. VA and FmHA, the
estimated remaining economic life of the property):
The coat approach was not developed do to the of the
Parch subject. It is ddfficutt if not impossible to determine
GaajaCarprrt 0 Sq. Ft e S = 0 depreciation and reproduction costs for a home of this am.
= S 0
Total Estimated Cost New
Less Physical ..... . .
Functional .........
External Fs. RemeinkV Econ. Life_ 25 The remain economical life Is 4"0 years.
Depneefeton = $ 0
........... = $
.
Depreciated Value of improvements 0
......
.
...
....... = f
.
.
"As-is' Value of Site Improvements
. . .
..
.
INDICATED VALUE BY COST APPROACH .
• • • • • • • • • • • = $ 0
ITEM SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO.3
1611 State Road
Address Dunce nrton 1829 State Road
Dtmcannon 200 SdmoNxxm Road
Duncennon 2029 State Road
Dtmcannon
Prudmity to stoiect .55 miles .2 miles 1.3 miles
Sates Price $ $ 41,000 f 33,9W f 42,500
PdcWGmss Uv. Nee f 0.000 $ 26.430 $ 33.460 $ 28.430
Data andfor
Va6cation Sources Public Record
Inspection Public Record
MLS Report Public Record
MLS Report Public Record
MLS Report
VAL EADAISIMENIS DESCRIPTION DESCRIPTION + (s DESCRIPTION - o s DESCRIPTION . r- s
Sties or Financing
Concessions WA Cash
63 D.O.M. Conventional
91 D.Q.M. Cash
38 D.O.M.
Data dSale/Tinle WA 05425/2005 03/25!2005 12MIM005
Location Suburban Suburban Suburban -2,000 Suburban -2,000
teesehddFee Fee Simple Fee Simple Fee Simple Fee Simple
Ske .46 saes .84 acres -1,000 .55 saes .46 acres
View Residential Residential Residential Residential
Deslim and Aweal Ranch RanchlA Ranch/A Ranch
dConardm Asbestos Silrdes Brick -5,000 Wood VkM -3,D00
64 Years 105 Years 2,00D 75 Years 48 Years
Condition Averme A Below &varap 3,000 &VaMM
Above Grade Tad ' sloe ' ears Tale) ' Bdnrs ' Rift T.W ; BRes ' oafs Tdd ' B&M ' sons
Room Court 4: 2: 1.00 -5: 2: 1.00 5: 2: 1.00' 6: 3: 1.50 ' -3,000
Gross Area 972 .FL 1,551 .FL : -2,900 1,013 .Ft. : 1495 .Ft : -2,600
BasanatbFlrishad
Rooms ll" Grade Full Basement
Unfinished Full Basement
Unfinished Crawl Space 3,000
WA Full Basement
Unfinished
Furrctiard Averme Averne Averme Aveme
BBHW/Nons EBB/None BBHW/None BBHVIf/None
t7lderititams Storm Units Storm Units Storm Units Storrs Units
None 1 Car GaragLe -2,000 None None
Poch, Patio, Deck,
F s etc. Porch
None. Porch
None Porch
None Dads
None
Fence. Poor etc. None None None None
-
--
Net + X S 8 900 X + $ 4000 ; 10,600
TT .
M
Musred Sales Price Gross: 31.5% Gross: 23.6% Grosz 24.9%
of Comparable Not -21.7% f 32,100 Net 11.8% S 37.9W Net -24.9% S 31,9w
Comments on Sales Comparison pncluding the subject property's compatibly to the neighborhood, etc.): All sates are dosed transertiona. Most
consideration of value was on corn 1 due to ifs similar location and rani dassi6cation. Location adjustment is based on
the sullhed bed sandwiched between commercial estabtiattment on both sides and the malor interstate highwry to the front.
Marketability of the su ' is limited due to the size of the lot and rani regulations. In the opinion of this appraiser it is birthed to the
neighbors. Address of corn 3 is State Road but is located akxV Schoolhouse Road. Compe may be older than kfeal but considered
oood Indicators of value due to their location sift amenities.
REM SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO.3
Data. Price and Data
Sauce for prosatas
wllhn d Public Record
Deed 02/23/2005
$25,000 No transfers within the
twelvemonths. No transfers within the
twelvemonths.
Analysis d arty current agreement of sale, option, or lsdrg of the subject property and analyse of any prior sales of snhjectad comperables v thin one yea d t he date dappraisek
The subjecl: has riot transferred within the past three ears.
INDICATED VALUE BY SALES COMPARISON APPROACH . . . . . . . . . ..... . . . . . . . . . . ............................. $ 32,000
TED VALUE BY MCOME APPROACH Estmated Maket Rend3 N/A Arb x Gross Rat Milipler N/A = f
Tits appraisal is made X 'es is" su*ct to the repaK 8ker8- , its
ConrdoatsafAppraisat The strb' is a sad in its con p 0lionsor lxrndiU'enls fated below s *d to completion per plans and
dition.
Fiat Reconciliation: The market approach Is the best approach to achieve a fair market value for this of property. Tice coat approach
Is not applicable due to the of the suWact The income approach is not applicable to the sub0a
The putpeee of this appraisal is to estimate the marW Valle of to real property that is the s1t1 ect of this report. based an the above conditions and the C ol. corkilgdt
and" conditions, and market value detmlim that we stated In the sucked Freddie Mac Farm 439/Fm* Mee Form 100M8 (Revised 6/93 ).
I MQ ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT ISTHE SUBJECT OFTHIS REPORT, AS OF "31,2006
(WHICH IS TH AT`E OF INSPECTION AND THE EFFECTIVE DATE OF THIS REPORT) TO BE $ 32,WD
soon UPERVISORY APPRAISER (ONLY IFREQUIRED): ODid ODidNot
uraSIr e-f7((Jt.[r?/e? S
Name Linda D. Williams, PA State Certified Appraiser
Date Report Signed 08/06/2006 Name Inspect Rep"
Date
State Cwtilindon / RL 003406-L State PA State CeNficaton i State
Or Sate License / State Or Sate License t State
rMM&VAt F9M7o 640 PAGE 2OF2 Famenee Fora1004 f.R1
Naiad Yip Ad p W q ara.T?l.ail7 ?MJIiIAm
Ewing Residential Appraisals
SUBJECT PROPERTY PHOTO ADDENDUM
Borrower. File No.: SF606n1
Party Address: 1611 State Road Case No.:
Cif: Durrcannon State: PA Zip: 17020
Lender: JdhW Unsenbach
FRONT VIEW OF
SUBJECT PROPERTY
Appraised Date: May 31, 2006
Appraised Value: $ 32,000
REAR VIEW OF
SUBJECT PROPERTY
STREETSCENE
u ^
sat
Bwower: File No.: SF60601
Property Address: lei 1 State Road Case No
City: Duncannon State: PA Zip: 17020
Lender: Jeffrey Unsenbach
Kitchen
Bath ,
Bedroom
Borrower. File No.: SF60601
Property Address: 1611 State Road Case No
City: Duncennon State: PA Zip: 17020
Lender: JWrey Linsenbach
Porch
Porch
FLOORPLAN
Borrower: File No.: SFWWl
Property Address: 1611 State Road Case No.:
QV: Duncennon State: PA Zip: 17020
Lender: Linsenbach
26.0'
Bath
Bedroom Bedroom
0
v
N
O
a1
M
3.0'
o
lKitchen Living Room
-" N
Wrap Porch Cdd
34.0'
Sks" by Apex IV W xlowsTM
Cod. AREA CALCULATIONS SUMMARY
D-1101- eke
To1d6
far?l lirat floor 972.00 972.00
P/P Farah 992.00 392.00
TOTAL LIVABLE (rounded) Bn9leeown
972
LIVING AREA BREAKDOWN
S9RibWs
Pir?t floor
26.0 z 36.0 996.00
3.0 z 12.0 96.00
2 Areas Total (rounded) 972
COMPARABLE PROPFRTY PHnTn Annr=nini inn
Borrower: File No.: SF80801
Property Address: 1611 State Road Case No
City: Duncennon State: PA Zip: 17020
Lender: Jelfrey Llnsenbach
COMPARABLE SALE #1
1829 State Road
Duncennon
Sale Date: 05/252005
Sale Price: $ 41,000
COMPARABLE SALE #2
200 Schoolhouse Road
Duncennon
Sale Date: 03252005
Sale Price: $ 33,900
COMPARABLE SALE #3
2028 State Road
Duncennon
Sale Date: 12/282005
Sale Price:; 42,500
s
Capital BlueCross
M bKIPPO OelM LIMSM M Me Blue CM0 SM Sue SfIMIG ASMOOM
LINDA C. LINSENBACH
1034 DOGWOOD LN
ENOLA PA 17025-2040
Your Account Summary
Page > 1 of 6
JWVmgqwd0
RETIREMENT PLAN STATEMENT
cn ACCOUNT SUMMARY: 07/01/2007 - 09/30/2007
CAPITAL 13LUECROSS EMPLOYEE SAVINGS PLAN- 090370
Total Account Balance: $164,370.46
Account Balance
Current Period I Year to Date
Beginnj" balance $158,781.88 _ $148,647.13
Your contributions $1,259.28 j $3,987.72
Employer contributions $944.46 $2,990.79
Market gain/loss $2,089.03 $4,901.55
Other transactions $1,295.81 $3,843.27
Ending balance $164,370.46 $164,370.46
_
Vested balance $164,370.46 $164,370.46
Includes all contributions and market activity.
$165,000
$149,000
$133,000
$117,000
$101,000
2007
Your Retirement Income Outlook'"m
In retirement, we estimate you'll be able to withdraw about
$1,917 a month from your employer's retirement plan at
Vanguard.* This estimate is based on your average
monthly contributions of $452 at Vanguard over the
previous 12 months.
Need more? To have an estimated $2,153 a month, your
monthly contributions should average at least $678 a
month until retirement. For approximately $2,507 a
month, your monthly contributions should average
$1,018 a month until you retire.
If you've recently joined the plan or changed your
contribution rate, your average monthly contributions will
change gradually. Also, check your plan rules for
contribution limits and restrictions.
How to take action: To raise your savings rate, contact
your benefits office today. To further personalize this
retirement calculation, visit us online or call Vanguard at
800-523-1188. (Recent changes may not be reflected in
this statement.)
Your Account Progress
Estimated Monthly Retirement Income*
"Based on your current balance in qualified defined contribution plans
administered by Vanguard, all contributions to these plans in the last 12
months, an annual after4rifiation investment return of 4%, and withdrawal of
4% of your balance at age 66. Taxes may be due on withdrawals. The
estimate is for illustrative purposes and not a guarantee.$
F)(hI b 1+#y
Connect with Vanguard® > 800-523-1188 > www.vanguard.com
0100805 5309 10520
2003 2004 2005 gum
Average Savings increase mcrwse
Rate of Savings to Savings to
$452 /Mo. $678 Mb. $1018 /Mo.
Capital BlueCross Retirement Plan
The following is the accrued benefit information for Linda C Linsenbach:
Accrued monthly pension as of 3-24-2006 $ 2,008,22
Present value of above pension* as of 4- 3-2006 150,327 ?
The accrued pension is payable at age 65.
The normal form of payment is a Life Annuity.
The accrued pension is 100% vested.
* The present value calculation has been made based upon the assumptions promulgated
by the Pension Benefit Guaranty Corporation for annuity valuations. The interest
rate is 5.609 per year for 20 years followed by 4.75% per year. The postretirement
Cost-of-Living Adjustment (COLA) is 4.00% for benefits accrued prior to 1/1/1987 and
3.00% for benefits accrued after 1/1/1987. The mortality is in accordance with the
1994 Group Annuity Mortality Basic Table for females with mortality improvement
projected to 2016 using Projection Scale M.
Current Age : 47
Date of Birth: 10. 1.1959
Etkibi+#- qa
Mlyorce:314)
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,j00123939 LINSENBACH,LINDA Share 11: CHECKING Transaction Summary 09/16/2005
Post Date ID Eff Date Transaction Balance... Int/P Fees New Balance Description/Pmt Prev Available
06/0912005 S 11 06/09/2005 Withdraw... -1,607.00 0.00 0.00 200.70 1
807.70
06/08/2005 S 11 06/08/2005 Cash Dep... 1,000.00 0.00 0.00 1,807.70 ,
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06/07/2005 S11 06/07/2005 Draft With... -120.52 0.00 0.00 807.70 Draft Number: 004... .
928
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06/07/2005 S11 06107/2005 Draft With... -80.00 0.00 0.00 928.22 Draft Number: 004... .
1
008.22
06/07/2005 S11 06/07/2005 Draft With... -30.00 0.00 0.00 1,008.22 Draft Number: 004... ,
1
038
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06/07/2005 S 11 06/07/2005 PA ,
.
06/0712005 S11 06/07/2005 POS GNC #9 US RT 22 AND COLON HARRISBURG
06/07/2005 S11 06/07/2005 POS With... -49.56 0.00 0.00 1,038.22 #506733 1
087.78
06/06/2005
X
06/06/2005 S 11
S 11 06/06/2005
06/ Draft With... -12.00 0.00 0.00 1,087.78 Draft Number. 004... ,
1,099.78
( 06/2005 Withdrawal -1,700.00 0.00 0.00 1,099.78 2
799.78
06/03/2005 S 11 06/03/2005 Draft With... -226.87 0.00 0.00 2,799.78 Draft Number: 004... ,
3
026.65
06/03/2005 S 11 06103/2005 Draft With... -73.00 0.00 0.00 3,026.65 Draft Number. 004... ,
3
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06/03/2005 S 11 06/03/2005 Draft With... -50.00 0.00 0.00 3,099.65 Draft Number: 004... ,
.
3
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06/03/2005 S 11 06/03/2005 %% ACH Trace 021200021027268 ,
.
06/03/2005 S 11 06/03/2005 %% ACH ECC PPD
06/03/2005 S 11 06/03/2005 DATA: BISAVER PAY PLAN
06/03/2005 S 11 06/03/2005 TYPE: BS DRAFT ID: 2420334782
06/0312005 S 11 06/03/2005 ACH With... -500.00 0.00 0.00 3,149.65 GMAC MORTGAGE 3
649
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06/03/2005 S11 06/03/2005 Withdraw... -600.00 0.00 0.00 3,649.65 To Loan 08 ,
.
4
249.65
06/03/2005 S 11 06/03/2005 Cash With... -400.00 0.00 0.00 4,249.65 ,
4
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06/03/2005 S11 06/0312005 Transfer D... 1,646.82 0.00 0.00 4,649.65 From Share 00 ,
.
3
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06/02/2005 S 11 06/02/2005 Draft With... -250.00 0.00 0.00 3,002.83 Draft Number: 004... ,
3
252
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06/02/2005 S 11 06/02/2005 Draft With... -100.00 0.00 0.00 3,252.83 Draft Number: 004... ,
.
3
352
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06/02/2005 S11 06/02/2005 Draft With... -29.86 0.00 0.00 3,352.83 Draft Number: 004... ,
.
3
382.69
06/02/2005 S 11 06/0212005 Draft With... -14.13 0.00 0.00 3,382.69 Draft Number: 004... ,
3
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06/01/2005 S 11 06/01/2005 Draft Wlth... -39.10 0.00 0.00 3,396.82 Draft Number: 004... ,
.
3
435
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06/01/2005 S 11 06/01/2005 PA ,
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06/01/2005 S 11 06101/2005 POS KMART 5600 CARLISLE PIKE MECHAN ICSBURG
06/01/2005 S11 06/0112005 POS With... -46.99 0.00 0.00 3,435.92 #297475 3,482.91
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L004
Kelley Blue Book - Private Party Pricing Report - Cadillac, Escalade
BLUE BOOK PRIVATE PARTY VALUE <,,,T`-) THIS
Condition., -.umsrs rHs? Value
Excellent $28,685
Good $27,040
Fair $24,950
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Vehicle Highlights
Mileage:
Engine:
Transmission:
Drivetrain:
Selected Equi
Standard
Air Conditioning
52,000
V8 6.0 Liter
Automatic
AWD
pment
Cassette
Change Equipment
ABS (4-Wheel)
Page 1 of 2
8)(?1161+ *? 7
http://www.kbb.com/KBB/UsedCars/PricingReport.aspx?Manufacturerld=8&Yearld=20... 11/27/2007
Kelley Blue Book - Private Party Pricing Report - Cadillac, Escalade
Power Steering
Power Windows
Power Door Locks
Tilt Wheel
Cruise Control
AM/FM Stereo
Optional
Navigation System
DVD System
Multi Compact Disc
Bose Premium Sound
OnStar
Parking Sensors
Dual Front Air Bags
Front Side Air Bags
Traction Control
Leather
Dual Power Seats
Roof Rack
Privacy Glass
Moon Roof
Premium Wheels
Page 2 of 2
http://www.kbb.com/KBB/UsedCars/PricingReport.aspx?Manufacturerld=8&Yearld=20... 11/27/2007
Kelley Blue Book - Private Party Pricing Report - BMW, 3 Series
jowwww
THE TRUSTED RESOURCE.
2001 BMW 3 Series 3251 Sedan 4D
Trade-In Value - -
Private Party Value BLUE BOOKS PRIVATE PARTY VALUE VJHAT'S THIS?
Suggested Retail Value
Photo Gallery Condition 4W1If)r_: TI WI P Value
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Blue Book Review Excellent
Consumer Ratings Good
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Specifications More Photos
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Auto Loan from 6.65% APR
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Print For Sale Sign 4.6 out of 5
BUT A USED CAR
on Blue Book ClassifiedsTM'
BMW Vehicle Highlights
.
3 Series ; Mileage: 83,000
Engine: 6-Cyl. 2.5 Liter
30 Miles or less
ZIP Code 17011
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$11,820
$10,980
$9,895
Read Reviews
Review This Vehicle
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11/27/2007
Kelley Blue Book - Private Party Pricing Report - Chevrolet, Tahoe
ley Moe
THE TRUSTEE) RESIN RCE,
MdL=M
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1996 Chevrolet Tahoe Sport Utility 4D
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Consumer Ratings Good $5,010
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.?
Tahoe
30 Miles or less
ZIP Code 17011
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N
Average Consumer Rating (67 Reviews) Read Reviews
4.6 out of 5 Review This Vehicle
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Kelley Blue Book - Private Party Pricing Report - BMW, 3 Series
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1998 BMW 3 Series 323is Coupe 2D
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Blue Book Review Excellent
Consumer Ratings Good
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BMW . ......K...., ss
3 series
30 Miles or less
ZIP Code 17011
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NEXT SSearch "T` ? ? Local Listings
Sell Your Coupe
$8,255
$7,665
$6,925
Average Consumer Rating (109 Reviews) Read Reviews
7 4.7 out of 5 Review This Vehicle
Vehicle Highlights
Mileage: 70,000
Engine: 6-Cyl. 2.5 Liter
F? 1+- 4 10
http://www.kbb.com/KBB/UsedCars/PricingReport.aspx?Manufacturerld=5&Year d=19... 11/27/2007
4q
MARITAL ASSETS IN LINDA'S POSSESSION AT
1034 DOGWOOD LANE, ENOLA
Kitchen
Washer/Dryer 2,000
Oak table/4 chairs 1,000
Dishes, Pot/Pans 1,000
Appliances & utensils 500
Dining Room
Buffet hutch 500
China 1,000
Pfauztkraft 500
Living Room
Computer 500
Printer 100
Scanner 150
Desk _ 300
Sofa table 300
Coffee table 300
Family Room
Leather sofa 1,500
2 Leather recliners 1,500
Rocking Chair 300
Oak End tables 500
(2)Brass Lamps 300
DVDNCR 400
Sony 29" TV 1,000
Master Bedroom
Oak Bedroom Suite 4,500
Sony 20" TV 500
DVDNCR 400
TV stand 400
Music CD's 1,000
Bedroom #1
Brass Bed 1,000
5 drawer clothes unit 250
Oak Cradle 200
Bedroom #2
Vanity mirror & bench 75
Basement
Weightmachine 1,000
Eliptical machine 600
Treadmill 600
Sauna 1,500
Tanning Bed 1,200
TV 300
Entertainment unit 300
Refridgerator 1,000
Beach chairs 100
Camping equipment 300
Sofabed 200
Bookcase 100
MARITAL ASSETS IN LINDA'S POSSESSION AT
1034 DOGWOOD LANE, ENOLA
Garage
Yard tools
2 ladders
Front Porch
(2)Cedar chairs & swing
Back Porch
Weber Grill
Patio Furniture
Garage Attic
Safe
Golf clubs
Holiday decorations
Tent & sleeping bags
Shed
Lawnboy mover
Weedwhacker
Garden tools
Pool items
(3) Bikes
Wheelbarrel
Other
500
200
300
400
600
100
100
750
100
400
100
200
500
300
100
John Deere Tractor 500
MYRTLE BEACH ASSETS
Kitchen
Washer & Dryer 1200
Small appliances 500
Dining Table & 4 Chairs 765
Living Room
SofaBed 1173
Chase 540
Ottoman 225
TV 400
Bedroom #1
Bedroom Suite/M&B 3858
Lamps 50
Bedroom #2
Bedroom Suite/M/B 3128
J
Lamps 50
Miscellaneous
Curtains 500
Bed Linens/towels 500
Sweeper 200
TOTAL 13089
includes $125 shipping
includes $310 shipping
includes $311 shipping
includes $311 shipping
PXhtbli *100'\
PRINTS
Fawn Losch-Heartland Haven 1100
Bluebirds Losch-Bluebird Serenade 800
Rockville b Losch 450
Quail Losch-Fencerow Covey 550
Bluebirds Brenders-On the Old Farm Door 450
Muledeer f. Brenders-Broken Silence 300
3 turkey Lavanish-28th day, Brookside Brood, Autumn Cluster 1000
gift Whitetail Lavanish 300
Woodduck Kray-Almost Time To Leave 600
Elk WTF 300
Bison Jeffries 100
gift Moose
gift Loons
inherited Rockville b Nan's print
Exhibi4 -013
MARITAL ASSETS IN JEFF'S POSSESSION
Bedroom #1
Bedroom suite 750
Gun Cabinet 100
Bose Stereo 500
Bedroom #2
Bedroom suite 1,000
TV 300
Kitchen
Pine Table & 4 Chairs 200
Living Room
Sofa 500
Chair 250
(2) Coffee Tables 300
(2) Lamps 100
TV 300
Miscellaneous
Video Camera 400
Tools 500
Hunting & Fishing Equip 500
Guns
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PAGE 1 of 6
Prudential W? Financial
Your Variable Appreciable Life Insurance Policy
ANNUAL STATEMENT
JEFFREY L LINSENBACH
33 SOUTHMONT DRIVE
ENOLA PA 17025
W SH 500 0
Statement Date
July 6, 2007
We are pleased to provide you with this statement of your Pruco Life Variable
Appreciable Life*insurance policy values and benefits. Your representative will be
happy to provide you with a complete review of your insurance coverage, since your
needs may change over time.
Please note that your guarantee against lapse is not in effect. See. the section in this
statement entitled Death Benefit Guarantee Info ation for an explanation of why this
guarantee has been lost and what you can do to regain it.
Thank you for choosing us for your insurance and financial needs.
Your Life Insurance Coverage Profile
Scheduled
Monthly Premium
As of July 5, 2006 As of July 5, 2007 as of July 5, 2007
Policy Face Amount $ 100,000.00 $ 100,000.00 $ 60.00
Excess Death Benefit + 9,292.94 + 11,217.21
Death Benefit $ 109,292.94 $ 111,217.21
Activity From
July 5, 2006, to
July 5,2007
Insured's Name
JEFFREY L LINSENBACH
Policy Number
R1 917102
Policy Date
July 5, 1987
Death Benefit Type
Variable
Supplementary Benefits
Waiver of Premium
Spouse Rider 26,400.00 25,000.00 + 11
00
Children Rider 10,000.00 10,000.00 + .
3.90
Supplementary Benefits + 6.60
Total Scheduled Monthly Premium $ 81.50
Your Prudential
Your Policy Values representative/
As of July 5, 2006
As of July 5 2007 Pruco Securities
registered representative
Contract Fund $ 18,556.94
Surrender Char
e - 0
00 $ 20,953.21 ROBERT YOCKIN, LUTCF
g
.
Cash Value $ 18,556.94 - 0.00
$ 20,953.21 (717) 975-8150
Your Customer
Service Office
(800) 778-2255
Address
Prudential
Customer Service Office
PO Box 7390
Philadelphia, PA 19176
Are you connected?
Go to prudential.com
and click on Account Access
& Service
0 33501 OF
1 ? W SH 500
E?ch?br?
,n 01:09 FAX 717 302 2792
HIGHMARH
Z011
X00123939 LINSENBACH,LINDA Loan 08: HELOC - 2ND MORTGAGE Transactlon Summary 09/16/2005
Post Date ID Eff Date Transaction Balance ... Int/P... Fees New Balance Description/Pmt Prev Available
09/1612005 L 08 09116/2005 From LINSENBACH,LINDA 0000265851 Share 11
09/1612005 L 08 09/16/2005 Transfer P... -349.89 110.11 0.00 99,557.79 Pmt: 460.00 -99,907.68
09/15/2005 LOB 09/15/2005 To LINSENBACH,LINDA 0000265851 Share 00
09/15/2005 L 08 09/1512005 Advance ... 13,506.70 0.00 0.00 99,907.68 38,599.02
09/09/2005 L 08 09/0912005 Transfer P... -322.12 107.88 0.00 86,400.98 From Share 11, Pm... 38,276.90
09/06/2005 L 08 09/06/2005 Advance 318.48 0.00 0.00 86,723.10 38,595.38
09/02/2005 L08 09/02/2005 Transfer P... -325.44 104.56 0.00 86,404.62 From Share 11, Pm... 38,269.94
08/31/2005 L 08 08/31/2005 %% RateChg fnn 6.250% to 6.500% 09101/05
08/26/2005 L 08 08/26/2005 Transfer P... -325.65 104.35 0.00 86,730.06 From Share 11, Pm... 37,944.29
08/19/2005 L 08 08/1912005 Transfer P... -325.26 104.74 0.00 87,055.71 From Share 11, Pm... 37,619.03
08/12/2005 L 08 08/12/2005 Transfer P... -324.87 105.13 0.00 87,380.97 From Share 11, Pm... 37,294.16
08105/2005 L 08 08/05/2005 Transfer P... -330.82 99.18 0.00 87,705.84 From Share 11, Pm... 36,963.34
08/02/2005 L 08 08/02/2005 Advance 1,429.79 0.00 0.00 88,036.66 38,393.13
,08/02/2005 L 08 08/02/2005 Advance 5,400.00 0.00 0.00 86,606.87 43,793.13
07131/2005 L08 07/31/2005 %% RateChg frm 6.000°x6 to 6.250% 08/01/05
07/29/2005 L08 07129/2005 Transfer P... -336.17 93.83 0.00 81,206.87 From Share 11, Pm... 43,456.96
07/22/2005 L08 07122/2005 Transfer P... -335.78 94.22 0.00 81,543.04 From Share 11, Pm... 43,121.18
07/15/2005 L 08 07/15/2005 Transfer P... -335.40 94.60 0.00 81,878.82 From Share 11, Pm... 42,785.78
07/08/2005 L08 07/08/2005 Transfer P... -335.01 94.99 0.00 82,214.22 From Share 11, Pm... 42,450.77
07/02/2005 L08 [07/01/20... Transfer P... -334.63 95.37 0.00 82,549.23 From Share 11, Pm... 42,116.14
06/24/2005 L 08 06/24/2005 Transfer P... -334.24 95.76 0.00 82,883.86 From Share 11, Pm... 41,781.90
06/17/2005 L 08 06/17/2005 From LINSEN BACH,LINDA 0000265851 Share 11
06/17/2005 L 08 06/17/2005 Transfer P... -703.43 .96.57 0.00 83,218.10 Pmt: 800.00 41,078.47
06/10/2005 L 08 06/10/2005 Transfer P... -502.85 97.15 0.00 83,921.53 From Share 11, Pm... 40,575.62
06103/2005 L 08 06/03/2005 Transfer P... -505.18 94.82 0.00 84,424.38 From Share 11, Pm... 40,070.44
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Page 1
F,h,b,+ 0 I3
A Send Inquires to:
5000 Louise Drive
PO Box 40
Mechanicsburg, PA 17055
www.memberalst.org
Main Switchboard: (717) 697-1161 or (800) 283-2328
EZ Cali: (717) 697-4372 or (800) 283-4372
TDD: (717) 697-5312 or (800) 283-2328 ext. 5312
® TeleBranch: (717) 795-6049 or (800) 237-7288
MEMBERS 1St
FEDERAL CREDIT UNION
11561 1 AV 0.312 23121-11561
LINDA C LINSENBACH
1034 DOGWOOD LN
ENOLA PA 17025-2040
Statement of Accounts
Aug 25, 2007 thru Sep 24, 2007
Account Number: 123939
Account Balances at a Glance:
Checking: 0.00
Savings: 25.17
Certificates : 0.00
Loans: 92,845.03
Money Management: 0.00
Page : 1 of 2
Your current Member Loyalty Reward level is Titanium
At Members 1 st your security is our top priority.
Please read the enclosed insert for more details.
CHECKING ACCOUNTS
11 -CHECKING
Date Transaction Descriation
rtce
Additions Subtractions Bala
Aug 25 Balance Forweid 0.00
Joint Owner: JEFFREY L LINSENBACH
Sep 24 &X*v Balance 0.00
SAVINGS ACCOUNT'S
00 - REGULAR SAVINGS
Date Transaction Des ft on t Additions Subtractlons Balance
Aug 25 Balance Forw1d R 25.17
Joint Owner: JEFFREY L LINSENBAI '
Siw 24 Erxft Bak" 2,:17
LOAN ACCOUNTS
10 - HOME EQUITY
VQIQ 11.01004W,... vwa., wn .... .... .. ...?. _ --- _--- - ---'--
Aug 25 Babnoe FarwWd 93,182.41
Sep 07 Payments Transfer. 396.87 228.39 0.00 168:48- 93,013.93
Zi'
From LINSENBACH , LIN ssia1+ 11
Sep 21 Payments Transfer ...... -j 1396.87 227.97 0.00 168:90- 92,.845.03
From LINSENBACH,L04
Sep 24 Endw Ba&)w 92,845.03
Annual Percentage -Rate 6.390% Daly Rate .017506%
YTD SUMMARIES
TOTAL DIVIDENDS PAID TOTAL LOAN INTEREST PAID
00 REGULAR SAVINGS 0.00 10 HOME EQUITY 4,401.13
11 CHECKING 0.00
PY,6 6rt q
Nt Send Inquires to: Main Switchboard: (717) 697-1161 or (800) 283-2328
5000 Louise Drive EZ Call: (717) 697-4372 or (800) 283-4372 Aug 25 , 2007 thru Sep 24, 2007
PO Box 40 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 73172-11561
Mechanicsburg, PA 17055 Account Number: 123939
www.memberslst.org TeleBranch: (717) 795-6049 or (800) 237-7288 Page : 2 of 2
Total Year To Date Dividends Paid 0.00
NOTE: Total includes closed shares
Total Year To Date Interest Paid 4,401.13
NOTE: Total includes closed loans
Don't forget about our new Member Loyalty Rewards Program.
The more products you have with us, the more benefits you'll receive.
aa? Ask an associate for details or visit our website at www.memberslst.org for details.
i?
aa?
i?
NOW
GMAC Mortgage Account Statement
CUSTOMER INFORMATION PROPERTY ADDRESS
Name: JEFFREY L LINSENBACH
LINDA C LINSENBACH
Account Number: 0601026322
Home Phone #: (717)732-2100
409-A 77TH AVENUE NORTH UNIT
MYRTLE BEACH SC 29572
KUM ISM0. 12.20 0007100 200 0007 OW00102 OMACH 1 02 OOM 0100010000. 10310 OM
fBWNHJPY
#KW07244806437#
L?rllhrr111?rnr1,1111L??I?IIIr??,ifflllfrrullninln1111
JEFFREY L LINSENBACH
LINDA C LINSENBACH
1034 DOGWOOD LN
ENOLA PA 17025-2040
GMAC Mortgage
Visit us at www.gmacmortgage.com for
account information or to apply on-line.
For information about your existing account,
please call: (800) 766-4622.
For information about refinancing or obtaining
a new loan, please call:
Nationwide, 24 hours (800) 753-4622
Or to find a branch near you (800) 888-4622
Please verily your mailing address, borrower and co-bomNver information. Make necessary corrections on this portion of the statement, detach and mail to address listed for Inquiries on the reverse side
DO NOT PAY, AMOUNT WILL AUTOMATICALLY BE DRAFTED FROM YOUR ACCOUNT
Account-Number OW1026322 Principal and interest 5607.61
Subsidy/Buydawn :0.00
Current Statement Date September 03, 2007 Esc, ow 5366.91
Naturity Date August 01, 2034 Amount Past Due $0.00
Outstanding Late Charges $0.00
Interest Rate 6.12500 Other $0.00
Total Amount Due $974.52
Current Principal Balance* $91,468.93 Account Due Date October 01, 2007
Current Escrow Balance $986.60
Interest Paid Year-to-Date $3,772.66
Taxes Paid Year-to-Date $0.00
For Customer Care inquiries call: 1-800-766-4622
For Insurance inquiries call: 1-800-256-9962
Due Date I Tran. Date I Tren. Total
Paysent 09/01/01 08/24/07 $487.26 $140.02
Receipt 08/01/07 08/10/07 $467.26
interest I Escrow I Add'1 ProductsI Late
$467.59 1 $366.91
Other
$487.26-
$467.26
"This is your Prin pal f3alano only, no the amount required to pay to loan in full. ?For payoff res and mailil instructional call the
Customer nmlbw above pr you ma obtain neces#ary payoff n9 res through o r aut?rnated ystem (24 hou s a day, 7 days a week).
See backforautmatic payrno tsilpW irfforfraW. mWodwpayrriefftoptiorm
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4
3
LINDA C. LINSENBACH,
Plaintiff
VS.
JEFFREY L. LINSENBACH,
Defendant
THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,, PENNSYLVANIA
NO. 06 - 12 CIVIL
IN DIVORCE
ORDER OF COURT
AND NOW, this day of ,
2009, the economic claims raised in the proceedings having been
resolved in accordance with a marriage settlement agreement
dated August 5, 2009, the appointment of the Master is vacated
and counsel can file a praecipe transmitting the record to the
Court requesting a final decree in divorce.
cc: Paul J. Esposito
Attorney for Plaintiff
? Timothy J. O'Connell
Attorney for Defendant
eo l iEs tn.?g C LL
8/?o?d 9
BY THE COURT,
" l61LX
Edgar B. Bayley, P.J.
F LEfD
nr ?r
? f , ';' :(- ;S
I
0
MARRIAGE SETTLEMENT AGREEMENT
THIS AGREEMENT, made this day of 4 , 2009,
by and between LINDA C. LINSENBACH, (hereinafter referred to as "Wife") and
JEFFREY L. LINSENBACH, (hereinafter referred to as "Husband").
WITNESSETH:
WHEREAS, the parties hereto are Husband and Wife, having been married on
September 8, 1979, in Duncannon, Perry County, Pennsylvania; and
WHEREAS, the parties separated on or about June 3, 2005; and
WHEREAS, the parties are the parents of two (2) children, neither of whom are
minors: Joshua Charles Linsenbach, born March 23, 1980; and Lauren Elizabeth
Linsenbach, born April 9,1989; and
WHEREAS, certain differences, disputes and difficulties have arisen between the
parties as a result of which they intend to live separate and apart from each other, and are
desirous of settling fully and finally their respective financial and property rights and
obligations as between each other, including, without limitation by specification, the
settling of all claims between them relating to the ownership and equitable distribution of
their real and personal property; the settling of all matters between them relating to the
past, present and future support, alimony, alimony pendente lite and/or maintenance of
Wife by Husband or of Husband by Wife; and, in general, the settling of any and all
claims and possible claims by one against the other or against their respective estate.
4
NOW, THEREFORE, in consideration of the mutual promises, covenants and
undertakings hereinafter set forth, and for other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged by each of the parties hereto,
Husband and Wife, each intending to be legally bound and to legally bind their heirs,
successors and assigns hereby covenant, promise and agree as follows:
1. SEPARATION
Husband and Wife shall at all times have the right to live separate and apart from
each other and to reside from time to time at such place or places as they shall
respectively deem fit, free from any control, restraint or interference whatsoever by the
other, subject to the further provisions of this Agreement.
2. WIFE'S DEBTS
Wife represents and warrants to Husband that as of the date of their separation,
June 3, 2005, she has not incurred, and in the future she will not contract or incur, any
debts or liability for which Husband or his estate might be responsible and shall
indemnify and save Husband harmless from any and all claims or demands made against
him by reason of debts or obligations incurred by her.
3. HUSBAND'S DEBTS
Husband represents and warrants to Wife that as of the date of their separation,
June 3, 2005, he has not incurred, and in the future he will not contract or incur, any debts
or liability for which Wife or her estate might be responsible and shall indemnify and
save Wife harmless from any and all claims or demands made against her by reason of
debts or obligations incurred by him.
2
4. OUTSTANDING JOINT DEBTS
Husband and Wife acknowledge and agree that they have no outstanding debts
and obligations which were jointly incurred by them during their marriage with the
exception of those which are otherwise set forth in this Agreement.
5. LIABILITY NOT LISTED
Each party represents and warrants to the other that he or she has not incurred any
debt, obligation or other liability, other than described in this Agreement, for which the
other party is or may be liable. A liability not disclosed in this Agreement will be the
sole responsibility of the party who has incurred, or may hereinafter incur it, and such
party agrees to pay it as the same shall become due, and to indemnify and hold the other
party and his or her property harmless from any and all such debts, obligations and
liabilities.
6. DISPOSITION OF THE REAL ESTATE
a. 1034 Dogwood Lane. Enola. Cumberland County Pennsylvania -
Husband and Wife acknowledge that they own the real property
situate at 1634 Dogwood Lane, Enola, Cumberland County,
Pennsylvania, the former marital residence, as tenants by the
entireties. The parties hereby agree that the marital residence shall
be the sole and separate property of Wife. Husband hereby waives
and relinquishes any right, title, claim or interest in and to said real
estate. Husband agrees to execute any documents reasonably
related to the transfer of ownership of the marital home to Wife.
Wife's attorney shall prepare said documents. Wife hereby
assumes all liabilities currently due and owing, in connection with
3
the upkeep and maintenance of the property, including, but not
limited to, the home equity loan with Member's l s` Federal Credit
Union, real estate taxes, homeowners insurance, assessments,
utilities, repairs and improvements. Wife shall indemnify Husband
and hold him harmless from any and all claims of every kind
arising out of or in connection with said property. Wife shall
immediately refinance or otherwise satisfy the aforementioned
home equity loan or remove Husband as a responsible party
therefrom. The deed, when executed by the parties, shall be held
in escrow by Wife's counsel pending final settlement of her
refinancing efforts.
b. 409-A N. 77th Street, Myrtle Beach Horry County. South Carolina
- Husband and Wife acknowledge that they own the real property
situate at 409-A N. 77th Street, Myrtle Beach, Horry County, South
Carolina, as tenants by the entireties. The parties hereby agree that
said real estate shall be the sole and separate property of Wife.
Husband hereby waives and relinquishes any right, title, claim or
interest in and to said real estate. Husband agrees to execute any
documents reasonably related to the transfer of ownership of said
real estate to Wife. Wife's attorney shall prepare said documents.
Wife hereby assumes all liabilities currently due and owing, in
connection with the upkeep and maintenance of the property,
including, but not limited to, the mortgage with GMAC, real estate
4
taxes, homeowners insurance, assessments, utilities, repairs and
improvements. Wife shall indemnify Husband and hold him
harmless from any and all claims of every kind arising out of or in
connection with said property. Wife shall immediately refinance
or otherwise satisfy the aforementioned mortgage or remove
Husband as a responsible party therefrom. The deed, when
executed by the parties, shall be held in escrow by Wife's counsel
pending final settlement of her refinancing efforts.
C. 1611 State Road, Dungannon, Perry County, Pennsylvania -
Husband and Wife acknowledge that they own the real property
situate at 1611 State Road, Dungannon, Perry County,
Pennsylvania, as tenants by the entireties. The parties hereby agree
that said real estate shall be the sole and separate property of
Husband. Wife hereby waives and relinquishes any right, title,
claim or interest in and to said real estate. Wife agrees to execute
any documents reasonably related to the transfer of ownership of
said real estate to Husband. Husband's attorney shall prepare said
documents. Husband hereby assumes all liabilities currently due
and owing,. in connection with the upkeep and maintenance of the
property, including, but not limited to real estate taxes,
homeowners insurance, assessments, utilities, repairs and
improvements. Husband shall indemnify Wife and hold her
5
harmless from any and all claims of every kind arising out of or in
connection with said property.
7. DIVISION OF PERSONAL PROPERTY
The parties agree that they have satisfactorily divided by agreement between
themselves, all of their personal property, including but not necessarily limited to, all
firniture, fiunishings, antiques, prints, jewelry, firearms, coins, tools, household
appliances and equipment. Accordingly, Wife shall retain sole and exclusive ownership
of all of the personal property currently in her possession, and more specifically those
items which are located at 1034 Dogwood Lane, Enola, Cumberland County,
Pennsylvania and 409-A N. 77'' Street, Myrtle Beach, Horry County, South Carolina free
and clear of any right, title, claim and/or interest of Husband. Husband shall retain sole
and exclusive ownership of all of the personal property currently in his possession, free
and clear of any right, title, claim and/or interest of Wife. Notwithstanding the foregoing,
the parties will make immediate arrangements for Wife to retrieve her grandmother's
rocking chair from Husband and for Husband to retrieve his mother's wind-up toy
Husband's duty to return Wife's grandmother's
from Wife. rocking chair will arise upon his receipt of
his mother's wind-up toy from Wife.
8. MOTOR VEHICLES
The parties hereby agree that Wife shall be entitled to exclusive possession and
ownership of the 2004 Cadillac Escalade and 2001 BMW 3251. Husband hereby
relinquishes any and all interest he may have in and to said vehicles. Husband shall
execute any certificates of title, powers of attorney or other documents necessary to give
this paragraph full force and effect. Wife shall be solely responsible for payment of any
and all expenses incurred in connection with said vehicles and shall indemnify and save
6
The parties further agree that Husband shall be entitled to exclusive possession
and ownership of the 1996 Chevrolet Tahoe. Wife hereby relinquishes any and all
interest she may have in and to said vehicle. Wife shall execute any certificate of title,
power of attorney or other documents necessary to give this paragraph full force and
effect. Husband shall be solely responsible for payment of any and all expenses incurred
in connection with said vehicle and shall indemnify and save Wife harmless from any
loss she may sustain as a result of any default thereon by Husband.
The parties further acknowledge and agree that they own a 1998 BMW 323is
which is used primarily by their daughter, Lauren. The parties hereby agree that
ownership of said vehicle shall be transferred to Lauren and/or to Husband, as Husband
elects. Husband and/or Lauren shall be solely responsible for any and all expenses
incurred in connection with said vehicle and Husband shall indemnify and save Wife
harmless from any loss she may sustain as a result of any default thereon.
9. 401(k) ACCOUNTS AND RETIREMENT ACCOUNTS
Husband shall retain as his sole and separate property his Highmark Investment
Plan (401(k)) and Highmark Retirement Plan. Wife shall retain as her sole and separate
property her Capital Blue Cross Employee's Savings Plan (401(k)) and Capital Blue
Cross Retirement Plan. The parties hereby waive and relinquish any right, title, claim or
interest either may have in and to the accounts of the other, subject to the further
provisions of this Agreement. However, Wife shall, in accordance with a Qualified
Domestic Relations Order to be prepared by Husband's counsel at his expense, distribute
the sum of $136,000.00 from her Capital Blue Cross Employee's Savings Plan (401(k))
to Husband. Husband shall be solely responsible for any and all taxes and penalties
7
which may be incurred as a result of the aforesaid distribution and he shall hold Wife
harmless and indemnify her against any loss she may suffer as a result of the distribution.
10. FINANCIAL ACCOUNTS
The parties hereby agree that any individual bank or credit union checking,
savings, money market or similar accounts owned by either party individually shall be the
sole and separate property of the party in whose name the account is currently titled, and
the parties waive and relinquish any right, title, claim or interest either may have in and to
the accounts of the other. More specifically, Wife shall retain as her sole and separate
property the savings, checking and money market accounts and certificates of deposit
which the parties maintained during their marriage at Member's First Federal Credit
Union, #123939. The parties acknowledge that at the time of their separation, Wife
retained the total amount in the aforementioned accounts $59,749.00. Husband hereby
waives and relinquishes and right, title, claim or interest in and to said funds or any
interest earned thereon subsequent to the parties' separation.
11. LIFE INSURANCE
The parties hereby agree that each shall retain as his/her sole and separate
property, any and all life insurance policies in his/her name, respectively, free of any
right, title, claim or interest of the other party. More specifically, Husband shall retain as
his sole and separate property his Prudential Financial policy, and Wife shall retain as her
sole and separate property her Liberty Mutual Life policies.
12. CASH PAYMENT
In consideration of and for Husband's waiver and relinquishment of his rights
arising from the marital relationship as set forth in this Agreement, Wife shall pay to
Husband the lump sum of $15,000.00 upon execution of this Agreement.
8
13. AFTER-ACQUIRED PROPERTY
The parties shall hereafter own and enjoy, independently of any claim or right of
the other, all items of property, real, personal or mixed, tangible or intangible, which
have been acquired by him or her since the parties separated on June 3, 2005, or which
may be acquired in the future, with full power in him or her to dispose of the same as
fully and effectively, in all respects and for all purposes, as though he or she were
unmarried.
14. ORDER FOR ALIMONY PENDENTE LITE
The parties acknowledge that on November 7, 2007 and November 20, 2007,
Orders were issued by the Honorable Kevin A. Hess, Judge of the Court of Common
Pleas of Cumberland County, Pennsylvania, to number 2006-12, PACSES Case I.D.
430107932, directing Husband to pay alimony pendente lite to Wife. The parties hereby
agree that said orders shall terminate as of the date of execution of this Agreement. Any
and all arrearages of record shall be cancelled as of that date.
15. TAX RETURNS
The parties acknowledge that they have heretofore filed certain joint income tax
returns. The parties hereby agree that in the future, if any penalties or interest or any
liability for failure to declare income or as a result of disallowance of a claimed
deduction shall be assessed by the United States Internal Revenue Service,
Commonwealth of Pennsylvania or any other taxing authority, said penalties or interest
shall be paid by and solely attributable to and be the responsibility of the party failing to
declare said income or claiming said deduction. In addition, the responsible party shall
indemnify, defend and hold the other party harmless against all taxes, penalties and
9
interest payments, as well as attorney and accountant fees incurred as a result of the
failure to declare income or disallowance of the claimed deduction.
16. TAX ADVICE
The parties hereby acknowledge and agree that they have had the opportunity to
retain their own accountants, certified public accountants, tax advisors or tax attorneys
with reference to the implications of this Agreement. Further, neither party has been
given tax advice by their respective attorneys. Further, both parties hereby acknowledge
that they have been advised, by their respective attorneys, to seek their own independent
tax advice by consulting an accountant, certified public accountant, tax advisor or tax
attorney with reference to the tax implications involved in this Agreement. Further, the
parties acknowledge and agree that their signatures to this Agreement serve as their
acknowledgement that they have read this particular paragraph and had the opportunity to
seek independent tax advice.
17. DISCLOSURE OF ASSETS AND WAIVER OF
PROCEDURAL RIGHTS
Each of the parties hereto acknowledges that he or she is aware of his or her right
to seek discovery, including, but not limited to, written interrogatories, motions for
production of documents, the taking of oral depositions, the filing of inventories and all
other means of discovery permitted under the Pennsylvania Divorce Code, as amended,
or the Pennsylvania Rules of Civil Procedure. Each of the parties further acknowledges
that he or she has had the opportunity to discuss with counsel the concept of marital
property under Pennsylvania law, and each is aware of his or her right to have the real
and/or personal property, estate and assets, earnings and income of the other assessed or
evaluated by the Courts of this Commonwealth. The parties do hereby acknowledge that
10
there has been full and fair disclosure to the other of his or her respective income, assets
and liabilities, whether such are held jointly or in the name of one party alone. Each
party agrees that any right to further disclosure, valuation, enumeration or statement
thereof in this Agreement is hereby specifically waived. Each party warrants that he or
she is not aware of any marital asset which is not identified in this Agreement. The
parties hereby acknowledge and agree that the division of assets as set forth in this
Agreement is fair, reasonable and equitable, and is satisfactory to them. Each of the
parties hereto further covenants and agrees for himself and herself and his or her heirs,
executors, administrators or assigns, that he or she will never at any time hereafter sue the
other party or his or her heirs, executors, administrators or assigns with respect to this
divorce, alleging that there was a denial of any rights to full disclosure, or that there was
any duress, undue influence or that there was a failure to have available full, proper and
independent representation by legal counsel. The parties acknowledge that a breach of
this Agreement does, however, remain actionable.
18. ADVICE OF COUNSEL
The provisions of this Agreement and their legal effect have been fully explained
to Wife by her counsel, Paul J. Esposito, Esquire and to Husband by his counsel, Timothy
J. O'Connell, Esquire. Each party confirms that he or she fully understands the terms,
conditions and provisions of this Agreement and believes them to be fair, just, adequate
and reasonable under the existing circumstances.
19. WAIVER OF ALIMONY, ALIMONY PENDENTE LITE,
AND SPOUSAL SUPPORT
Except as otherwise set forth in this Agreement, Husband and Wife hereby
expressly waive, discharge and release any and all rights and claims which he or she may
11
now or hereafter have to alimony, alimony pendente lite, spousal support and/or
maintenance or other like benefits resulting from the parties' status as Husband and Wife.
The parties further release and waive any rights they may have to seek modification of
the terms of this Paragraph in a court of law or equity, it being understood that the
foregoing constitutes a final determination for all time of either parties' obligation to
contribute to the support and maintenance of the other.
20. COUNSEL FEES, COSTS AND EXPENSES
Each party shall be solely responsible for his or her own legal fees, costs and
expenses incurred in connection with their separation and/or the dissolution of their
marriage, and in the preparation and execution of this Agreement.
21. WAIVER OF INHERITANCE RIGHTS
Unless otherwise specifically provided in this Agreement, as of the date of
execution of this Agreement, Husband and Wife each waives all rights of inheritance in
the estate of the other, any right to elect to take against the Will or any Trust of the other
or in which the other has an interest and each of the parties hereby waives any additional
rights which said party has or may have by reason of their marriage, except the rights
saved or created by the terms of this Agreement. This waiver shall be construed
generally and shall include, but not be limited to, a waiver of all rights provided under the
laws of Pennsylvania or any other jurisdiction.
22. WAIVER OF BENEFICIARY DESIGNATION
As of the date of execution of this Agreement, unless otherwise specifically set
forth herein, each party hereto specifically waives any and all beneficiary rights and any
and all rights as a surviving spouse in and to any asset, benefit or like program carrying a
beneficiary designation which belongs to the other party under the terms of this
12
Agreement, including, but not limited to, pensions and retirement plans of any sort or
nature, deferred compensation plans, life insurance policies, annuities, stock accounts,
bank accounts, final pay checks or any other post-death distribution scheme, and each
party expressly states that it is his and her intention to revoke by the terms of this
Agreement any beneficiary designations naming the other which are in effect as of the
date of execution of this Agreement. If and in the event the other party continues to be
named as beneficiary and no alternate beneficiary is otherwise designated, the beneficiary
shall be deemed to be the estate of the deceased party. Notwithstanding any continuing
marital status between the parties, each shall sign whatever documents are necessary to
enable the other to designate new beneficiaries for retirement plans, insurance policies
and similar assets in order to conform with law.
23. RELEASE OF CLAIMS
a. Wife and Husband acknowledge and agree that the property
dispositions provided for herein constitute an equitable distribution
of their assets and liabilities pursuant to §3502 of the Divorce
Code, and Wife and Husband hereby waive any right to division of
their property except as provided for in this Agreement.
Furthermore, except as otherwise provided for in this Agreement,
each of the parties hereby specifically waives, releases, renounces
and forever abandons any claim, right, title or interest whatsoever
he or she may have in property transferred to the other party
pursuant to this Agreement or identified in this Agreement as
belonging to the other party, and each party agrees never to assert
any claim to said property or proceeds in the future. However,
13
neither party is released or discharged from any obligation under
this Agreement or any instrument or document executed pursuant
to this Agreement.
b. Except as set forth in this Agreement, each party hereby absolutely
and unconditionally releases and forever discharges the other and
the estate of the other for all purposes from any and all rights and
obligations which either party may have or at any time hereafter
has for past, present or future support or maintenance, alimony
pendente lite, alimony, equitable distribution, counsel fees, costs,
expenses, and any other right or obligation, economic or otherwise,
whether arising out of the marital relationship or otherwise,
including all rights and benefits under the Pennsylvania Divorce
Code of 1980, its supplements and amendments, as well as under
any other law of any other jurisdiction, except and only except all
rights and obligations arising under this Agreement or for the
breach of any of its provisions. Neither party shall have any
obligation to the other not expressly set forth herein.
C. Except as set forth in or as to any breach of this Agreement, each
party hereby absolutely and unconditionally releases and forever
discharges the other and his or her heirs, executors, administrators,
assigns, property and estate from any and all rights, claims,
demands or obligations arising out of or by virtue of the marital
relationship of the parties whether now existing or hereafter
14
arising. The above release shall be effective regardless of whether
such claims arise out of any former or future acts, contracts,
engagements or liabilities of the other or by way of dower, curtesy,
widow's or widower's rights, family exemption or similar
allowance, or under the intestate laws or the right to take against
the spouse's will, or the right to treat a lifetime conveyance by the
other as testamentary or all other rights of a surviving spouse to
participate in a deceased spouse's estate, whether arising under the
laws of Pennsylvania, any state, commonwealth or territory of the
United States, or any other country.
d. Except for the obligations of the parties contained in this
Agreement and such rights as are expressly reserved herein, each
party gives.to the other by the execution of this Agreement an
absolute and unconditional release and discharge from all causes of
action, claims, rights or demands whatsoever in law or in equity,
which either party ever had or now has against the other.
e. Husband and Wife acknowledge that Wife has instituted a no-fault
action in divorce against Husband docketed to No. 2006-12 in the
Court of Common Pleas of Cumberland County, Pennsylvania.
Wife shall immediately proceed with the said divorce action, and'
the parties shall execute all documents necessary to conclude the
divorce as expeditiously as possible.
15
24. AGREEMENT TO BE INCORPORATED BUT NOT
MERGED IN DIVORCE DECREE
The terms of this Agreement shall be incorporated into any divorce decree which
may be entered with respect to the parties, but they shall not be merged into such decree.
The Court of Common Pleas which may enter such decree shall retain continuing
jurisdiction over the parties and the subject matter of this Agreement for the sole purpose
of enforcement of any of the provisions thereof. In addition, the parties shall have the
right to enforce this Agreement under the Divorce Code of 1980, as amended, and shall
retain any remedies in law or in equity to enforce any term of this Agreement, which
shall retain its character as an independent contract. Such remedies in law or equity are
specifically not waived or released.
25. MODIFICATION
No modification, rescission or amendment to this Agreement shall be effective
unless in writing and signed by each of the parties hereto.
26. WAIVER OF BREACH
The waiver by one party of any breach of this Agreement by the other party shall
not be deemed a waiver of any other breach of any provision of this Agreement.
27. APPLICABLE LAW
All acts contemplated by this Agreement shall be construed and enforced under
the substantive laws of the Commonwealth of Pennsylvania in effect as of the date of
execution of this Agreement.
28. SEVERABELITY
If any provision of this Agreement is held by a court of competent jurisdiction to
be void, invalid or unenforceable, the remaining provisions hereof shall nevertheless
16
survive and continue in full force and effect without being impaired or invalidated in any
way.
29. AGREEMENT BINDING ON PARTIES AND HEIRS
This Agreement shall bind the parties hereto and their respective heirs, executors,
administrators, legal representatives, assigns and successors.
30. HEADINGS NOT PART OF AGREEMENT
Any headings preceding the text of the several paragraphs and subparagraphs
hereof are inserted solely for convenience of reference and shall not constitute a part of
this Agreement, nor shall they affect its meaning, construction or effect.
31. ENTIRE AGREEMENT
Each party acknowledges that he or she has carefully read this Agreement; that he
or she has had ample opportunity to discuss its provisions with an attorney of his or her
own choice, and has executed it freely and voluntarily. The parties further acknowledge
and confirm that the execution of this Agreement is not the result of any duress, undue
influence, collusion or improper or illegal agreement or agreements; and that this
instrument expresses the entire agreement between the parties concerning the subjects it
purports to cover and supersedes any and all prior agreements between the parties.
32. MUTUAL COOPERATION
Each parry shall, on demand, execute and deliver to the other any deeds, bills of
sale, assignments, consents to change of beneficiary designations and other documents,
and shall do or cause to be done every other act or thing that may be necessary or
desirable to effectuate the provisions and purposes of this Agreement. If either party
unreasonably fails on demand to comply with these provisions, that party shall pay to the
17
other party all attorney's fees, costs, and other expenses actually incurred as a result of
such failure.
33. BREACH
If either party hereto breaches any provision hereof, the other party shall have the
right, at his or her election, to sue for damages for such breach, or seek such other
remedies or relief as may be available to him or her. The non-breaching party shall be
entitled to recover from the breaching party all costs, expenses and legal fees actually
incurred in the enforcement of the rights of the non-breaching party.
34. DATE OF EXECUTION
The "date of execution" or "execution date" of this Agreement shall be defined as
the date upon which the parties signed the Agreement if they did so on the same date, or
if not on the same date, then the date on which the Agreement was signed by the last
party to execute this Agreement.
35. EFFECTIVE DATE
This Agreement shall become effective and binding upon both parties on the
execution date.
36. EFFECT OF RECONCILIATION. COHABITATION OR
DIVORCE
This Agreement shall remain in full force and effect and shall not be abrogated
even if the parties effect a reconciliation, cohabit as husband and wife or attempt to effect
a reconciliation. This Agreement also shall continue in full force and effect in the event
of the parties' divorce. There shall be no modification or waiver of any of the terms
hereof unless the parties in writing execute a statement declaring this Agreement or any
term of this Agreement to be null and void.
18
IN WITNESS WHEREOF, the parties hereto have set their hands and seals the
day and year first above written.
WITNESS:
LIND . L SENBAC
Y L. LINSENBACH
19
STATE OF PENNSYLVANIA
ss:
COUNTY OF
On this, the c-6ALk day of 2009, before me, the
undersigned officer, personally appeared LINDA C. INSENBACH, known to me (or
satisfactorily proven) to be the person whose name is subscribed to the within instrument,
and acknowledged that she executed the same for the purposes therein contained.
IN WITNESS WHEREOF, I hereunto set my hand and fficial seal.
COMMONWEALTH OF PENNSYLVANIA
Notarial Seal
Helen A. Clark, Notary pudic Notary Public
City Of Harrisburg, Dauphin County
My Commission Expires June 28, 2 0
Member, Pennsylvania Association of Notaries
STATE OF PENNSYLVANIA
ss:
COUNTY OF a,C
-1-x'1 ALAQ
On this, the 0 day of , 2009, before
me, the undersigned officer, personally appeared JEFFREY L. LINSENBACH, known
to me (or satisfactorily proven) to be the person whose name is subscribed to the within
instrument, and acknowledged that he executed the same for the purposes therein
contained.
IN WITNESS WHEREOF, I hereunto set my hand and official seal.
COMMONWEALTH OF PENNSYLVANIA
NOTARIAL SEAL Not Public
Stacey A. Fogle, Notary Public
Susquehanna Township, Dauphin County
My commission expires January 02, 2013
20
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LU:.:J i:_J i v i is ? 1
i ?t ???
v ... _ .. .. ? .
r ,. ...._?. -.
LINDA C. LINSENBACH, IN THE COURT OF COMMON PLEAS OF
Plaintiff/Petitioner CUMBERLAND COUNTY, PENNSYLVANIA
VS. CIVIL ACTION - DIVORCE
NO. 06-0012 CIVIL TERM
JEFFREY L. LINSENBACH, IN DIVORCE
Defendant/Respondent PACSES CASE: 403107932
ORDER OF COURT
AND NOW to wit, this 12th day of August, 2009, it is hereby Ordered that the Order for
Alimony Pendente Lite is terminated, effective August 5, 2009, pursuant to the parties' Marital
Settlement Agreement and the arrears, in the amount of $887.84, are remitted.
This Order shall become final twenty (20) days after the mailing of the notice of
the entry of the order to the parties unless either party files a written demand with the Domestic
Relations Section for a hearing de novo before the Court.
BY THE COURT:
K ;A A. Hess, J.
DRO: R.J. Shadday
xc: Petitioner
Respondent
Paul J. Esposito, Esq.
Timothy J. O'Connell, Esq.
Form OE-001
Service Type: M Worker: 21005
2 U09 r:JG 1 2 rt3 2: ?} i
ORDER/NOTICE TO WITHHOLD INCOME FOR SUPPORT 06-0012 CIVIL
State Commonwealth of Pennsylvania OOriginal Order/Notice
CO./City/Dirt. Of CUMBERLAND OAmended Order/Notice
Date of Order/Notice 08/12/09 (D O Terminate Order/Notice
Case Number (See Addendum for case summary) OOne-Time Lump Sum/Notice
RE:LINSENBACH, JEFFREY L.
Employer/Withholder's Federal EIN Number Employee/Obligor's Name (Last, First, MI)
207-52-0949
Employee/Obligor's Social Security Number
HIGHMARK SERVICES CO* 5102101604
C/O CENTER STREET 2A L3 Employee/Obligor's Case Identifier
PAYROLL
(See Addendum for plaintiff names
PO BOX 535061 associated with cases on attachment)
PITTSBURGH PA 15253-5061 Custodial Parent's Name (Last, First, MI)
See Addendum for dependent names and birth dates associated with cases on attachment.
ORDER INFORMATION: This is an Order/Notice to Withhold Income for Support based upon an order for support
from CUMBERLAND County, Commonwealth of Pennsylvania. By law, you are required to deduct these
amounts from the above-named employee's/obligor's income until further notice even if the Order/Notice is not
issued by your State.
$ 0.00 per month in current child support
$ o . oo per month in past-due child support Arrears 12 weeks or greater? Oyes ® no
$ o.oo per month in current medical support
$ 0.00 per month in past-due medical support
$ o . oo per month in current spousal support
$ o . oo per month in past-due spousal support
$ 0.00 per month for genetic test costs
$ o . oo per month in other (specify)
$ one-time lump sum payment
for a total of $ 0.00 per month to be forwarded to payee below.
You do not have to vary your pay cycle to be in compliance with the support order. If your pay cycle does not match
the ordered support payment cycle, use the following to determine how much to withhold:
$ 0.00 per weekly pay period. $ 0.00 per semimonthly pay period
(twice a month)
$ 0.00 per biweekly pay period (every two weeks) $ 0.00 per monthly pay period.
REMITTANCE INFORMATION: You must begin withholding no later than the first pay period occurring ten (10)
working days after the date of this Order/Notice. Send payment within seven (7) working days of the paydate/date of
withholding. You are entitled to deduct a fee to defray the cost of withholding. Refer to the laws governing the work
state of your employee for the allowable amount. The total withheld amount, and your fee, cannot exceed 55% of
the employee's/ obligor's aggregate disposable weekly earnings. For the purpose of the limitation on withholding,
the following information is needed (See #9 on page 2).
Pennsylvania law (23 PA C.S. § 4374(b)) requires remittance by an electronic payment method if an employer is
ordered to withhold income from more than one employee and employs 15 or more persons, or if an employer has
a history of two or more returned checks due to nonsufficient funds. Please call the Pennsylvania State Collections
and Disbursement Unit (PA SCDU) Employer Customer Service at 1-877-676-9580 for instructions. PA FIPS CODE
42 000 00
Make Remittance Payable to: PA SCDU
Send check to: Pennsylvania SCDU, P.O. Box 69112, Harrisburg, Pa 17106-9112
IN ADDITION, PAYMENTS MUST INCLUDE THE DEFENDANT'S NAMEAND THE PACSES MEMBER ID (shown
above as the Employee/Obligor's Case Identifier) OR SOCIA?Kev RITY NUMBER IN RDER TO BE PROCESSED.
DO NOT SEND CASH BY MAIL.
BY THE COURT:
inA. Hess, Judge
DRO: R.J. Shadday Form EN-028 Rev.5
Service Type M OMB No.: 0970-0154 Worker ID $IATT
ADDITIONAL INFORMATION TO EMPLOYERS AND OTHER WITHHOLDERS
? If hheckefi you are required. to provide asopy of this form to your employee. If yorr employee works in a state that is
di Brent rTrom the state that issued this or er, a copy must be provided to your employee even if the box is not checked.
1. Priority: Withholding under this Order/Notice has priority over any other legal process under State law against the same income.
Federal tax levies in effect before receipt of this order have priority. If there are Federal tax levies in effect please contact the requesting
agency listed below.
2. Combining Payments: You can combine withheld amounts from more than one employee/obligor's income in a single payment to
each agency requesting withholding. You must, however, separately identify the portion of the single payment that is attributable to each
employeelobligor.
3.* Reporting the Paydate/Date of Withholding: You must report the paydate/date of withholding when sending the payment. The
paydate/date of withholding is the date on which amount was withheld from the employee's wages. You must comply with the law of the
state of the employee's/obligor's principal place of employment with respect to the time periods within which you must implement the
withholding order and forward the support payments.
4.* Employee/Obligor with Multiple Support Holdings: If there is more than one Order/Notice to Withhold Income for Support against
this employee/obligor and you are unable to honor all support Order/Notices due to Federal or State withholding limits, you must follow
the law of the state of employee's/obligor's principal place of employment. You must honor all Orders/Notices to the greatest extent
possible. (See #9 below)
5. Termination Notification: You must promptly notify the Requesting Agency when the employee/obligor is no longer working for you.
Please provide the information requested and return a copy of this Order/Notice to the Agency identified below. 6104133200
THE PERSON HAS NEVER WORKED FOR THIS EMPLOYER : 0 THE EMPLOYEE/OBLIGOR NO LONGER WORKS FOR: 0
EMPLOYEE'S/OBLIGOR'S NAME:LINSENBACH, JEFFREY L.
EMPLOYEE'S CASE IDENTIFIER: 5102101604 DATE OF SEPARATION:
LAST KNOWN HOME ADDRESS:
LAST KNOWN PHONE NUMBER:
FINAL PAYMENT AMOUNT:
NEW EMPLOYER'S NAME/ADDRESS:
6. Lump Sum Payments: You may be required to report and withhold from lump sum payments such as bonuses, commissions, or
severance pay. If you have any questions about lump sum payments, contact the person or authority below.
7. Liability: If you fail to withhold income as the Order/Notice directs, you are liable for both the accumulated amount you should have
withheld from the employee/obligor's income and other penalties set by Pennsylvania State law. Pennsylvania State law governs unless
the obligor is employed in another State, in which case the law of the State in which he or she is employed governs.
8. Antidiscrimination: You are subject to a fine determined under State law for discharging an employee/obligor from employment,
refusing to employ, or taking disciplinary action against any employee/obligor because of a support withholding. Pennsylvania State law
governs unless the obligor is employed in another State, in which case the law of the State in which he or she is employed governs.
9.* Withholding Limits: You may not withhold more than the lesser of: 1) the amounts allowed by the Federal Consumer Credit
Protection Act (CCPA) (15 U.S.C. 1673 (b)); or 2) the amounts allowed by the State or Tribe of the employee's/obligor's principal place of
employment. Disposable income is the net income left after making mandatory deductions such as: State, Federal, local taxes, Social
Security taxes, statutory pension contributions and Medicare taxes. The Federal limit is 50% of the disposable income if the obligor is
supporting another family and 60% of the disposable income if the obligor is not supporting another family.However, that 50% limit is
increased to 55% and that 60% limit is increased to 65% if the arrears are greater than 12 weeks. If permitted by the State, you may
deduct a fee for administrative costs. The support amount and the fee may not exceed the limit indicated in this section.
Arrears greater than 12 weeks : If the Order Information does not indicate whether the arrears are greater than 12 weeks, then the
employer should calculate the CCPA limit using the lower percentage. For Tribal orders, you may not withhold more than the amounts
allowed under the law of the issuing Tribe. For Tribal employers who receive a State order, you may not withhold more than the lesser of
the limit set by the law of the jurisdiction in which the employer is located or the maximum amount permitted under section 303(d) of the
CCPA (15 U.S.C. 1673 (b)). Depending upon applicable State law, you may need to take into consideration the amounts paid for health
care premiums in determining disposable income and applying appropriate withholding limits.
10. Additional info:
*NOTE: If you or your agent are served with a copy of this order in the state that issued the order, you are to follow the law of the state
that issued this order with respect to these items.
11. Send Termination Notice and
other correspondence to:
DOMESTIC RELATIONS SECTION
13 N. HANOVER ST
P.O. BOX 320
CARLISLE PA 17013
If you or your employee/obligor have any questions,
contact WAGE ATTACHMENT UNIT
by telephone at (717) 240-6225 or
by FAX at (717) 240-6248 or
by internet www.childsupport.state.pa.us
Page 2 of 2 Form EN-028 Rev.5
Service Type M OMB No.; 0970-0154 Worker I D $ IATT
ADDENDUM
Summary of Cases on Attachment
Defendant/Obligor: LINSENBACH, JEFFREY L.
PACSES Case Number 403107932 PACSES Case Number
Plaintiff Name Plaintiff Name
LINDA C. LINSENBACH
Docket Attachment Amount Docket Attachment Amount
06-0012 CIVIL$ 0.00 $ 0.00
Child(ren)'s Name(s): DOB Child(ren)'s Name(s): DOB
PACSES Case Number
Plaintiff Name
Docket Attachment Amount
$ 0.00
Child(ren)'s Name(s): DOB
PACSES Case Number
Plaintiff Name
Docket Attachment Amount
$ 0.00
Child(ren)'s Name(s): DOB
PACSES Case Number
Plaintiff Name
Docket Attachment Amount
$ 0.00
Child(ren)'s Name(s): DOB
PACSES Case Number
Plaintiff Name
Docket Attachment Amount
$ 0.00
Child(ren)'s Name(s): DOB
Addendum Form EN-028 Rev.5
Service Type M OMB No.: 0970-0154 Worker ID $IATT
RHYOFPICE
OF THE M
M AUG 13 PM C; 3 4
CIJt ;F 4D COLM
F'DICYlVAW
Paul J. Esposito, Esquire
I.D. #25454
GOLDBERG KATZMAN, P.C.
320 Market Street
P. O. Box 1268
Harrisburg, PA 17108-1268
(717)234-4161;(717)234-6808 (facsimile)
Counsel for Plaintiff
LINDA C. LINSENBACH, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V.
JEFFREY L. LINSENBACH,
Defendant
: NO. 2006-12 Civil Term
CIVIL ACTION - LAW
IN DIVORCE
AFFIDAVIT OF CONSENT
A Complaint in Divorce under § 3301(c) of the Divorce Code was filed on
January 3, 2006.
2. The marriage of 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.
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. Section 4904, relating to
unsworn falsification to authorities.
Date:
L A C. SENB CH
FILED-
OF THE
2009 SEP -3 Pi',! 2: 46
L??
Paul J. Esposito, Esquire
I.D. #25454
GOLDBERG KATZMAN, P.C.
320 Market Street
P. O. Box 1268
Harrisburg, PA 17108-1268
(717) 234-4161; (717) 234-6808 (facsimile)
Counsel for Plaintiff
LINDA C. LINSENBACH, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V.
JEFFREY L. LINSENBACH,
Defendant
NO. 2006-12 Civil Term
CIVIL ACTION - LAW
IN DIVORCE
WAIVER OF NOTICE OF INTENTION TO
REQUEST ENTRY OF A DIVORCE DECREE
UNDER SECTION 3301(c) OF THE DIVORCE CODE
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.
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. §4904 relating to unsworn
falsification to authorities.
Date: S- S C)C(
C.
OF THE
7009 SEP -3 Pil"i 2: ?6
V ?:
LINDA C. LINSENBACH, IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
VS. : NO. 2006-12
JEFFREY L. LINSENBACH, CIVIL ACTION -LAW
Defendant IN DIVORCE
AFFIDAVIT OF CONSENT
A complaint in divorce under Section 3301(c) of the Divorce Code was filed on January
3, 2006.
The marriage of plaintiff and defendant is irretrievably broken and ninety (90) days have
elapsed from the date of filing and service of the complaint.
3. I consent to the entry of a final decree of divorce after service of notice of intention to
request entry of the decree.
WAIVER OF NOTICE OF INTENTION TO
REO UEST ENTRY OF A DIVORCE DECREE
UNDER SECTION 3301(c) OF THE DIVORCE CODE
I consent to the entry of a final decree in 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.
I understand that I will not be divorced until a divorce decree is entered by the Court and
that a copy of the decree will be sent to me immediately after it is filed with the prothonotary.
I verify that the statements made in this affidavit are true and correct. I understand that false
statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn
falsification to authorities.
Date: 4 k_?v
J ey L. Linsenbach
Social Security No. ?-0 - 5 2- C>C 4
FLED ,.. -RU'r-
fl,
OF THE
C09 S i --3 PI'1 2: ?ur
C, r t d ,
w,
t?
F-r
Paul J. Esposito, Esquire
I.D. #25454
GOLDBERG KATZMAN P.C.
320 Market Street
P. O. Box 1268
Harrisburg, PA 17108-1268
(717) 234-4161; (717) 234-6808 (facsimile)
Counsel for Plaint fj
LINDA C. LINSENBACH, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. NO. 2006-12 Civil Term
JEFFREY L. LINSENBACH, CIVIL ACTION - LAW
Defendant IN DIVORCE
PRAECIPE TO TRANSMIT RECORD
TO THE PROTHONOTARY:
Transmit the record, together with the following information, to the Court for entry of a divorce
decree:
1. Ground for divorce: irretrievable breakdown under §3301(c) of the Divorce Code.
2. Date and manner of service of the Complaint: January 6, 2006, via Acceptance of
Service, signed for by counsel for Defendant.
3. (a) Date of execution of the affidavit of consent required by § 3301(c) of the
Divorce Code: by Plaintiff on August 5, 2009 ;
by Defendant on August 5, 2009
(b)(1) Date of execution of the Affidavit required by § 3301(d) of the Divorce
Code:
(2) Date of filing and service of Plaintiffs Affidavit upon the Defendant:
4. Related claims pending:
5. (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 Plaintiff s Waiver of Notice in § 3301(c) Divorce was filed with the
prothonotary: September 3, 2009 .
Date Defendant's Waiver of Notice in § 3301(c) Divorce was filed with the
prothonotary: September 3, 2009
Attorney for P of
FiCED--C
OF THIE
2 9 0 9 SEA' --3 PM 2: 1, u
N?
LINDA C. LINSENBACH,
V.
JEFFREY L. LINSENBACH
IN THE COURT OF COMMON PLEA$?OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 2006-12 CIVIL TERM
DIVORCE DECREE
AND NOW, Z v , it is ordered and decreed??hat
LINDA C. LINSENBACH, plaintiff, and
JEFFREY L. LINSENBACH , defendant, are divorced from th?
bonds of matrimony.
Any existing spousal support order shall hereafter be deemed an order fob
alimony pendente lite if any economic claims remain pending.
The court retains jurisdiction of any claims raised by the parties to this action
for which a final order has not yet been entered. Those claims are as follows: (if?no
claims remain indicate "None.")
AND IT IS FURTHER ORDERED AND DECREED, that the terms, provisions and
hereby incorporated in this Decree by reference as fully as though the same were set forth
herein at length. Said Agreement shall not merge with, but shall survive this Decree
?I
By the Court,
6d -
Wks
a
R
LINDA C. LINSENBACH,
Plaintiff
V.
JEFFREY L. LINSENBACH,
Defendant
: IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 2006-12 CIVIL TERM
: CIVIL ACTION -LAW
: IN DIVORCE
QUALIFIED DOMESTIC RELATIONS ORDER
This order relates to the provision of marital property rights to a former spouse of the
Participant and is made pursuant to the domestic relations law of the State of Pennsylvania. The
cause is before the court upon the motion of both parties, the court having entered a Judgment for
Divorce and this order having been agreed to by each of the parties, and said agreement being
incorporated into the Judgment for Divorce.
IT IS HEREBY ORDERED THAT:
1. This order shall constitute a "qualified domestic relations order" as defined in
§414(p) of the Internal Revenue Code of 1986, as amended (the "Code") and §206(d)(3)(B) of the
Employee Retirement Income Security Act of 1974, as amended ("ERISA").
2. This order applies to the Capital Blue Cross Employee Retirement Savings Plan
(the "Plan"), which is administered by Capital Blue Cross, 2500 Elmerton Avenue, Harrisburg,
Pennsylvania 17177-2212.
3. The Plan Participant to whom this order relates is Linda C. Linsenbach (the
"Participant"). The last known mailing address and social security number of the Participant are:
Address: 1034 Dogwood Lane, Enola, PA 17025
Social Security Number: 194-54-3918
4. The individual to whom this order assigns certain Plan benefits otherwise
payable to the Participant is Jeffrey L. Linsenbach (the "Alternate Payee"). The last known
mailing address and social security number of the Alternate Payee are:
Address: 33 Southmont Drive, Enola, PA 17025
Social Security Number: 207-52-0949
5. As part of the division of the estate of the parties, Alternate Payee shall receive
the sum of One Hundred Thirty Six Thousand ($136,000.00) Dollars of the Participant's vested
account balance as the date of distribution. Alternate Payee's share shall be distributed on a pro
rata basis from all of the investments in Participant's account. This sum shall be rolled over from
Participant's Plan to Alternate Payee's Individual Retirement Account with Highmark Investment
Plan. The check should be made payable to:
Wachovia Bank, N.A., Trustee for Highmark Investment Plan FBO: Jeffrey L. Linsenbach
and mailed to:
Wachovia Retirement Services
D 1118-026
1525 West W.T. Harris Blvd.
Charlotte, NC 28262-8522
The Participant's Accrued Benefit includes the outstanding balance of any loan made to
Participant, and the Participant shall remain responsible for repaying the outstanding loan
balance, if any. The time period to which this Order applies commences with the execution
hereof by the Court and ends upon full distribution of the Alternate Payee's Assigned Benefit.
6. The Participant and the Alternate Payee shall notify the Plan Administrator in
writing of any changes in their respective mailing addresses subsequent to the date of this order.
7. The terms of this Order shall be carried out as soon as administratively feasible
following the date that this Order has been approved.
8. This Order shall not be construed to:
(a) require the Plan to provide any type or form of benefit or any option not
otherwise provided under the Plan;
(b) require the Plan to provide increased benefits; or
(c) require the payment of benefits to the Alternate Payee which are required
to be paid to another alternate payee under another order previously determined to be a qualified
domestic relations order.
9. This order shall be incorporated into the Judgment for Divorce for purposes of
enforcement.
10. It is the intention of the Alternate Payee and the Participant that the foregoing
provisions shall qualify as a qualified domestic relations order, and whenever the provisions
hereunder are inconsistent with the definition of a qualified domestic relations order as may be
contained, from time to time, in the Code or ERISA, this order shall be amended, from time to
time, as may be necessary to comply with the requirements for a qualified domestic relations
order under said statutes or regulations promulgated pursuant thereto and to cause this Order to be
accepted as a qualified domestic relations order by the Plan Administrator. Both parties shall
enter into an agreed order of court as may be reasonably required to amend this Order to comply
with such requirements.
By the Court:
Date:
2009
J.
7
T 'Connel , qu re
Turner and O'Connell
4701 North Front Street
Harrisburg, PA 17110
Attorney for defendant
Copies to:
9
V - - "-A -"4 2'r
Paul J. Es sitQQ squire
Goldberg Katzman
320 Market Street, PO Box 1268
Harrisburg, PA 17108
Attorney for plaintiff
Manager, Employee Benefits, Capital Blue Cross, Harrisburg, PA 17177-2212
Timothy J. O'Connell, Esquire, 4701 North Front Street, Harrisburg, PA 17110
Paul J. Esposito, Esquire, 320 Market Street, PO Box 1268, Harrisburg, PA 17108
LINDA C. LINSENBACH, IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. NO. 2006-12 CIVIL TERM
JEFFREY L. LINSENBACH, CIVIL ACTION -LAW
Defendant : IN DIVORCE
MOTION FOR ENTRY OF
QUALIFIED DOMESTIC RELATIONS ORDER
AND NOW comes the defendant, Jeffrey L. Linsenbach, who, through his attorney,
Timothy J. O'Connell, Esquire, respectfully submits as follows:
1. On September 14, 2009, a Decree of Divorce was entered by this Court in the
above captioned action.
2. The parties signed a property settlement agreement which provided for the
transfer of funds from plaintiffs 401(K) account to defendant.
3. A proposed Qualified Domestic Relations Order reviewed and signed by both
parties is attached hereto.
WHEREFORE it is respectfully requested that this Court enter the Qualified Domestic
Relations Order attached hereto.
Respectfully submitted,
Timoth'y4X -Connell, Esquire
TURNER AND O'CONNELL
4701 North Front Street
Harrisburg, PA 17110
717/232-4551
A
Certificate of Service
I, Stacey A. Fogle, secretary to Timothy J. O'Connell, hereby certify that I served a true
and correct copy of the foregoing by depositing same in the U.S. mail, first class postage prepaid,
addressed as follows:
Paul I Esposito, Esquire
320 Market Street
PO Box 1268
Harrisburg, PA 17108
Date: 12/17/2009
^F T-"E:
2039 DEC 18 A°i J I
a rv
. ! t
TEC 2,1. 2009
LINDA C. LINSENBACH, : IN THE COURT OF COMMON PLEAS
Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA
V. : NO. 2006-12 CIVIL TERM
JEFFREY L. LINSENBACH, CIVIL ACTION -LAW
Defendant : IN DIVORCE
QUALIFIED DOMESTIC RELATIONS ORDER
This order relates to the provision of marital property rights to a former spouse of the
Participant and is made pursuant to the domestic relations law of the State of Pennsylvania. The
cause is before the court upon the motion of both parties, the court having entered a Judgment for
Divorce and this order having been agreed to by each of the parties, and said agreement being
incorporated into the Judgment for Divorce.
IT IS HEREBY ORDERED THAT:
1. This order shall constitute a "qualified domestic relations order" as defined in
§414(p) of the Internal Revenue Code of 1986, as amended (the "Code") and §206(dx3)(B) of the
Employee Retirement Income Security Act of 1974, as amended ("ERISA").
2. This order applies to the Capital Blue Cross Employee Retirement Savings Plan
(the "Plan"), which is administered by Capital Blue Cross, 2500 Elmerton Avenue, Harrisburg,
Pennsylvania 17177-2212.
3. The Plan Participant to whom this order relates is Linda C. Linsenbach (the
"Participant"). The last known mailing address and social security number of the Participant are:
Address: 1034 Dogwood Lane, Enola, PA 17025
Social Security Number: 194-54-3918
4. The individual to whom this order assigns certain Plan benefits otherwise
payable to the Participant is Jeffrey L. Linsenbach (the "Alternate Payee"). The last known
mailing address and social security number of the Alternate Payee are:
Address: 33 Southmont Drive, Enola, PA 17025
Social Security Number: 207-52-0949
. ti
As part of the division of the estate of the parties, Alternate Payee shall receive
the sum of One Hundred Thirty Six Thousand ($136,000.00) Dollars of the Participant's vested
account balance as the date of distribution. Alternate Payee's share shall be distributed on a pro
rata basis from all of the investments in Participant's account. This sum shall be rolled over from
Participant's Plan to Alternate Payee's Individual Retirement Account with Highmark Investment
Plan. The check should be made payable to:
Wachovia Bank, N.A., Trustee for Highmark Investment Plan FBO: Jeffrey L. Linsenbach
and mailed to:
Wachovia Retirement Services
D 1118-026
1525 West W.T. Hams Blvd.
Charlotte, NC 28262-8522
The Participant's Accrued Benefit includes the outstanding balance of any loan made to
Participant, and the Participant shall remain responsible for repaying the outstanding loan
balance, if any. The time period to which this Order applies commences with the execution
hereof by the Court and ends upon full distribution of the Alternate Payee's Assigned Benefit.
6. The Participant and the Alternate Payee shall notify the Plan Administrator in
writing of any changes in their respective mailing addresses subsequent to the date of this order.
The terms of this Order shall be carried out as soon as administratively feasible
following the date that this Order has been approved.
8. This Order shall not be construed to:
(a) require the Plan to provide any type or form of benefit or any option not
otherwise provided under the Plan;
(b) require the Plan to provide increased benefits; or
(c) require the payment of benefits to the Alternate Payee which are required
to be paid to another alternate payee under another order previously determined to be a qualified
domestic relations order.
9. This order shall be incorporated into the Judgment for Divorce for purposes of
enforcement.
10. It is the intention of the Alternate Payee and the Participant that the foregoing
provisions shall qualify as a qualified domestic relations order, and whenever the provisions
hereunder are inconsistent with the definition of a qualified domestic relations order as may be
contained, from time to time, in the Code or ERISA, this order shall be amended, from time to
time, as may be necessary to comply with the requirements for a qualified domestic relations
order under said statutes or regulations promulgated pursuant thereto and to cause this Order to be
accepted as a qualified domestic relations order by the Plan Administrator. Both parties shall
enter into an agreed order of court as may be reasonably required to amend this Order to comply
with such requirements.
Date: c L . Z? , 2009
T 'Connel , quire
Turner and O'Connell
4701 North Front Street
Harrisburg, PA 17110
Attorney for defendant
Copies to:
ra
Paul J. Esosit squire
Goldberg Ka an
320 Market Street, PO Box 1268
Harrisburg, PA 17108
Attorney for plaintiff
"ager, Employee Benefits, Capital Blue Cross, Harrisburg, PA 17177-2212
, --'T mothy J. O'Connell, Esquire, 4701 North Front Street, Harrisburg, PA 17110
aul J. Esposito, Esquire, 320 Market Street, PO Box 1268, Harrisburg, PA 17108
?"G-5 Mtu Lk
tzvy)
By the Court:
TI, M9 DEC 22 PM 2: 28
4