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ARROWHEAD LAKE COMMUNITY ASSOCIATION

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ARROWHEAD LAKE COMMUNITY ASSOCIATION
        RULES & REGULATIONS
                                 HC 88 BOX 305
                             POCONO LAKE PA 18347

       A PRIVATE RESIDENTIAL COMMUNITY WITH AMENITIES

                             ADOPTED AUGUST, 1984
                             REVISED SEPTEMBER, 1987
                             REVISED MARCH, 1989
                             REVISED SEPTEMBER, 1992
                             REVISED AUGUST, 1995
                             REVISED JULY, 1999
            ARROWHEAD LAKE COMMUNITY ASSOCIATION
                    RULES & REGULATIONS

                              PREFACE

Arrowhead Lake is a community development of land and each lot in the
development is part of a general development scheme. The authority of
Arrowhead Lake Community Association to make and enforce the following
Rules & Regulations is derived from the Declaration of Protective Covenants
and Restrictions, which are contained in the deeds of each and every
property owner at Arrowhead Lake.

The following Rules & Regulations are the result of recommendations made
by various committees acting under the auspices of the Board of Directors
of the Association.

The Board of Directors has approved these Rules & Regulations so as to
  1. Provide a healthful and harmonious environment for community
     living;
  2. To protect and preserve property values;
  3. To enable such action to be taken as necessary to prevent or abate
     conditions which may be inconsistent with the Declaration of
     Protective Covenants and Restrictions and with all applicable laws;
     and
  4. To provide the health, safety and general welfare of all property
     owners at Arrowhead Lake.

These Rules & Regulations are in addition to the covenants and restrictions
contained in the various deeds and in the By-laws of the Arrowhead Lake
Community Association.

Any violation of these Rules & Regulations could result in an appearance
before the Disciplinary Committee provided for under Article 13 of the By-
laws and could result in a suspension of privileges, a fine or both, as well
as institution of a Civil Action to recover sums due for damages or
injunctive relief, or other appropriate action.




                                                                          2
                 ARROWHEAD LAKE COMMUNITY ASSOCIATION
                         RULES & REGULATIONS

                       ARTICLE I (ONE) – DEFINITIONS

Association: Association shall mean and refer to the Arrowhead Lake
Community Association, Inc., a Pennsylvania nonprofit corporation, herein
after referred to as “ALCA” or “the Association”.

Arrowhead Sewer Company: Arrowhead Sewer Company shall mean and
refer to the Arrowhead Sewer Company, a Pennsylvania corporation,
hereinafter referred to as “ASC” or “Sewer Company”.

Association Member: The members of the Arrowhead Lake Community
Association are persons or entities owning property at Arrowhead Lake as
evidenced by a Deed of Acquisition. A member may be either a member in
good standing that is defined as a property owner with all dues paid; or
may be a member not in good standing who is defined as a property owner
with dues in arrears.

Associate Member: A child, parent, spouse or sibling of the owner who
does not reside at the owner’s permanent address and who has been
authorized to enter Arrowhead Lake by that property owner.

Guest: A person, other than the member (property owner), who has been
authorized to enter Arrowhead Lake by a member, with the intention of
staying at the property owner’s address overnight with the presence of the
member and without monetary remuneration.

Visitor: A non-overnight person who has been authorized to enter
Arrowhead Lake by a member, or a person who has been admitted
through/by Security for an appropriate reason.

Renter: A person or persons who is renting or leasing a property at
Arrowhead Lake from a member or his agent for monetary remuneration for
a 29 day period or less.

Tenant: A person or persons who is renting or leasing a property at
Arrowhead Lake from a member or his agent for monetary remuneration for
a period of 30 days or more.




                                                                        3
Member Badge: A plastic, numbered identification pin issued to members
in good standing, which properly identifies that the wearer is authorized
the use of amenities. A member badge is dated for the current year and
must be worn when participating in any activity or when using any
amenities.

Associate Member Badge: A plastic, numbered identification pin issued to
associate members, as designated by the member in good standing, which
authorizes the associate member use of the amenities. An associate badge
is dated for the current year and must be worn when participating in any
activity or when using any of the amenities. The annual fee and proper
paperwork is required to obtain associate member badges.

Renter/Tenant Badges: A plastic, numbered identification pin issued to
renters/tenants after payment of the subsequent fee and deposit, as
designated by the member in good standing or the member’s agent, which
authorizes the renter/tenant us of the amenities. A renter/tenant badge is
dated for the current year and must be worn when participating in any
activity or when using any of the amenities.

Folio Number: A folio number is a four digit number assigned to each
property which will be used as a means of identifying the owner when
verbal registration of a guest/visitor, contractor, or delivery person is
required. This number can be found on the member’s annual dues bill.

Gate Card: A magnetic card that is issued to gain entrance into the
Arrowhead Lake development. The gate card may either be active or
inactive.

Guest/Renter/Tenant Pass: A dated, hanging auto identification card
issued when entering the development, which will allow access to the
grounds, but does not permit use of any of the facilities.

Guest Entry Permit: A form required in order to gain entry into Arrowhead
Lakes, which identifies the guest. The form must be on file or presented by
the guest upon arrival at the Welcome Center. The property owner must
sign the form.

Renter/Tenant Registration Form: A form required to gain entrance into
Arrowhead Lakes, which identifies a renter or tenant. The form, signed by
the member, and submitted in advance by the member or his/her agent,
must be received prior to the renter/tenant’s arrival at the Welcome Center.



                                                                          4
                  ARTICLE II-MEMBERSHIP IDENTIFICATION

   1. It is the policy of Arrowhead Lake Community Association that all
      members, associate members, guests/visitors, renters and tenants,
      be properly identified when using any of the Arrowhead Lake
      Association amenities. The purpose of this is to:
          a. Provide control on the use of all facilities and to limit use to
              members in good standing, bona fide associate members,
              guests/visitors and renters/tenants; and
          b. To provide better security and safety for the protection of the
              amenities and the persons using the amenities.

   2. Upon payment in full of the annual assessment for dues and all other
      applicable charges, property owners will receive, by mail or at the
      main Lodge, six (6) member badges. If there are more than six (6)
      persons residing at the property owner’s permanent residence,
      additional badges may be requested by the member with proof of
      permanent residency, at no additional cost. Members will receive (1)
      car sticker and (1) gate card for each vehicle registered to the
      member’s permanent address or the member’s name. Dues are
      assessed on a calendar year basis. Annual dues will be considered
      delinquent ten (10) days past the due date of May 10. Action may be
      taken to secure payment at that time. Membership privileges will
      only be executed to a property with all dues, fines and assessments
      paid in full. These privileges include badges, stickers and voting
      rights.

      Additionally, a member may assign ASSOCIATE MEMBER status, as
defined herein, to members of their family. Upon registration as an
associate member, the associate member will be issued two (2) associate
badges, and one (1) vehicle sticker and one (1) gate card for each vehicle
the associate member pays the annual $10.00 fee. The associate member
must renew his/her membership annually. The vehicle’s registration card
must be presented to the Association’s office as proof of Associate status.

   3. If additional current year, amenity use badges are required for guest
      or visitors, they may obtained by the member at the Lodge. These
      badges will require a fee of $10.00 per badge. Members are
      responsible to see that their guests/visitors have current year badges
      for amenity use.
   4. All vehicles of the member or associate are to have the assigned
      identification stickers attached to the inside of the vehicle on the
      back of the rear view mirror so as to be visible from the outside.
   5. Upon arrival at the Welcome Center, all visitors, guests, renters and
      tenants shall be issued a dated, hanging guest/visitor and/or
                                                                           5
   renter/tenant pass, which is to hang from the rear view mirror of the
   vehicle and surrendered to the guard on completion upon his/her
   stay.
6. Persons and/or vehicles whose presence in the development cannot
   be justified will be detained, their identification verified, and if
   appropriate, escorted off the premises. If the same persons and/or
   vehicles are detained a second time, they will be subject to
   prosecution for Defiant Trespass, pursuant to the Laws of the
   Commonwealth of PA.
7. A property owner who purposely misrepresents the designation of an
   associate member, guest/visitor and/or renter/tenant shall be
   subject to a fine as set forth herein. FINES: 1st offense $25.00—2nd
   offense $50.00—3rd offense $100.00.

               ARTICLE III (THREE)-GATE CARD RULES

1. Property owners: permanent or part time
        Property owners will be issued a gate card, upon request, for
          each vehicle that is registered under their name or permanent
          address, that is to be used on the Arrowhead Lake properties.
        An immediate member of the property owner’s family will
          qualify to receive a gate card, if the family member resides with
          the property owner on a full time basis and the vehicle is
          registered to the same address as the property owner’s.
2. Associate members, as designated by the owner, shall receive a gate
   card and yearly sticker for each registered vehicle for a fee of $10.00
   to be renewed annually. Failure to renew the registration annually
   will result in the deactivation of the gate card.
3. Renters and/or Tenants: Upon registration at the Welcome Center
   the Renter/Tenant will be issued a time sensitive gate card, valid
   only for their length of stay, for a non-refundable registration fee to
   be set yearly by the Board Of Directors and Management.
4. Guests and Visitors: (temporary, a portion of the day). Guests and
   visitors must check in at the Welcome Center where they will be
   issued a temporary gate card for their length of stay. If the gate card
   is not returned immediately after the expiration of their registration
   period, the owner will be fined $25.00 and the gate card deactivated.
5. Staff Members: Staff members will be assigned a gate card for use
   during their normal workday. Seasonal employees will be asked to
   surrender their gate card upon completion of their contract term.
6. Contractors and Delivery Vehicles:
        Contractors will be issued temporary gate cards on a weekly
          basis. Contractors will be required to register at the Welcome
          Center each Monday to renew activation of their gate card.

                                                                         6
          Failure to renew the gate card each week will result in the
          contractor being fined $25.00 and deactivation of the gate card.
          Property owners must inform Security when a contractor is
          expected and identify themselves with their folio number.
        Delivery Vehicles: Property owners must contact Security
          when a delivery vehicle is expected and identify themselves
          with their folio number. Delivery vehicles must register at the
          Welcome Center each time they enter the development. A gate
          card will be provided for that day. Failure to return the gate
          card will result in the violator being fined $25.00 and
          deactivation of the gate card. The property owner is ultimately
          responsible for any fines incurred by contractors and/or
          delivery personnel.
7. A new gate will be issued at the cost of $10.00 to replace a lost or
   stolen gate card previously issued. The lost or stolen gate card will be
   deactivated. In the event that the gate card in question is recovered
   within fourteen (14) days and the re-issued gate card is returned to
   the office, the $10.00 charge will be refunded.
8. Emergency Vehicles:        (Police, Fire, Ambulance, etc.) Emergency
   departments will be asked to register each member annually and gate
   cards will be issued accordingly. Renewal of gate cards for emergency
   personnel will be required on a calendar year to keep gate cards
   active.
9. Misuse of Gate Cards: Gate cards are to be used only by the person
   who was issued the gate card. Misuse or transferring the gate card
   will result in deactivation of the gate card and a fine of $50.00 for the
   first offense and a $100.00 fine for each offense thereafter, which
   occurs within 12 months of the first offense.

                ARTICLE IV (FOUR) – EMERGENCIES

1. For the purposes of this Article, an emergency shall be defined to
   include any medical, security/police, maintenance, sewer and/or
   environmental condition which endangers the health and welfare of
   the community members and/or its property.
2. Owners should know their Lot, Block and Section Number, Street
   and nearest cross street so that persons reporting or responding to
   an emergency can readily pinpoint their exact location.
3. If it is suspected that an intruder or trespasser is on or about your
   property or property of another, or if you observe a person acting in a
   suspicious manner, immediately inform Security and/or police so
   that corrective measures can be taken.
4. Keep a list of emergency phone numbers by your phone.


                                                                          7
      THORNHURST FIRE/AMBULANCE                     570-342-9111
      ALCA SECURITY – Non Emergency                 570-646-1771 ext 1
      FERN RIDGE STATE POLICE                       570-646-2271
      POCONO MTN. REGIONAL POLICE                   570-646-8300
       EMERGENCY ----911
      ALCA OFFICE (NON-EMERGENCY)                   570-646-1771 ext 2

5. If a situation of a non-emergency nature takes place, call the
   Arrowhead Lake office during normal business hours of 9:15 a.m. to
   4:45 p.m., at the Lodge at 646-1771. Please do not call Arrowhead
   Lake Security for non-emergency matters. To do so, unnecessarily
   removes Security personnel from their duties.

               ARTICLE V (FIVE)—GUEST/VISITOR POLICY

1. The Arrowhead Lake Community Association recognizes that
   members who will invite guests/visitors periodically will use their
   private residential community on many occasions, and it is assumed
   that guests and visitors will exercise some control in the use of the
   facilities.
2. Rules and Regulations regarding guest/visitor usage are established,
   and it is assumed that the property owner/member will comply with
   the Rules & Regulations. The Association insists that members, who
   do not comply or attempt to circumvent these rules, may be subject
   to punitive actions.
3. Upon arrival at the Welcome Center, a guest must provide Security
   with a Guest Entry Permit, identifying the member whose guest they
   are, folio number, and his address, thereby enabling Security to
   verify the invitation of the guests by the member. Failure to have the
   Guest Entry Permit may be grounds for Security to refuse entry. For
   last minute guests/visitors, members may call the Welcome Center
   and identify themselves with the folio number to register the
   guest/visitor. This should not replace the Guest Entry Permit, as this
   form is required for guests who are staying overnight.
4. Upon admittance, the guest/visitor will be given a hanging
   guest/visitor pass, which is to be hung from the rear view mirror
   during the entire visit at Arrowhead Lake. Guests/visitors will also be
   assigned a gate card for use during their stay. The gate card must be
   returned immediately following the expiration of the period of
   registration or the owner will be fined $25.00 and the gate card
   deactivated. To avoid delays upon arrival at the Welcome Center with
   a completed Guest Entry Permit before the guest’s arrival.
5. If guests/visitors wish to utilize the amenities, an Association current
   year, amenity use badge is required. If owner’s membership badges
   are not available, the property owner will be required to purchase
                                                                          8
   badges at the Administrative Office at the Lodge. Children age six (6)
   or under will not be required to have a badge. Cost of each badge will
   be $10.00. Issuance of badges is contingent upon verification of
   owner’s right to receive amenity privilege. Badges will not be issued
   directly to guests or visitors.
6. The full use of all Arrowhead Lake Community Association
   recreational facilities will be available to guests/visitors of
   Association members for the continuous time period that they will be
   visiting, provided the member is eligible for amenity privileges and
   the guests/visitors have current year, amenity use badges.
7. For one day special events for parties of 10 or more individuals,
   property owners may purchase identification wristbands for each
   guest/visitor upon completion of a Special Event Amenity Use
   Request form. The cost per person will be $1.00 and will allow use of
   amenities for one day as specified on the form. Issuance of
   wristbands is contingent upon verification of the owner’s right to
   receive amenity privileges.

         ARTICLE VI (SIX) – RENTER AND TENANT REGULATIONS

1. Members (property owners of record or their designee) must register
   tenants and renters with the Association on the appropriate
   “Renter/Tenant Registration” form seven (7) days in advance of
   arrival for a long-term tenant (30 days or more) and two (2) days in
   advance of occupancy for a short term renter (29 days or less) or
   such other period as may be permitted by the General Manager in
   advance of the arrival.
2. Members shall be responsible for informing their renters and tenants
   of the Rules and Regulations of the Association. Members will be
   responsible for all fines duly levied against the renters, tenants
   and/or their respective guests for violations of the Rules and
   Regulations.
3. Members, or their designee, must provide the following information
   on the Renter/Tenant Registration form, which must be signed by
   the member:
      o Total number of people who will be residing at the member’s
          house.
      o Names of all people residing at the member’s house.
      o Prior address of all the persons listed on the Renter/Tenant
          Registration form.
      o Length of tenancy.
      o Folio number of property.
      o Such other information as may be required.
4. Identification of Renters’/Tenants’ vehicles shall be as follows:

                                                                       9
        o Hanging renter/tenant tag shall be issued for vehicle
            identification for short term renters or long term renters.
        o Gate cards will be made available for a deposit of $25.00 per
            vehicle; $15.00 of which will be refunded when the gate card is
            returned to the Welcome Center at the end of the
            renters’/tenants’ lease or registration. If the gate card is not
            returned immediately after the expiration of the registration
            period, the full amount of the deposit will be forfeited and the
            gate card deactivated.
5.   Renters and tenants have to privilege of using the facilities and are
     subject to all Association By-Laws and rules and regulations
     including the wearing of current year amenity badges to all
     Association functions and facilities.       Upon verification that the
     property owner is entitled to amenity privileges, the renter/tenant
     must purchase amenity use badges at the Welcome Center upon
     registering. The cost of such badges may change from time to time
     and with the seasonal opening and closing of various amenities such
     as, but not limited to, the pools and beach areas.
6.   Subletting by renters/tenants is strictly prohibited.
7.   Failure to register a renter/tenant pursuant to this article will
     subject the member to the following fines: First Offense…$50.00;
     Second and subsequent offenses….$100.00
8.   The Association reserves the right to refuse entry to any renter or
     tenant where the property owner fails to comply with any regulation
     or requirement stipulated herein.
9.   Renter/Tenant Badge Fees are as follows:
      During the period Memorial Day through Labor Day Weekend
     o Less than one week                   $5.00 per badge per day
     o One to three weeks                   $20.00 per person per badge
     o One Month                            $40.00 per person
     o Two Months                           $50.00 per person
     o Three Months                         $60.00 per person

     During the remainder of the year when the beaches and pools
     amenities are not open the renter/tenant badge fee shall be $5.00
     per person per day, with a maximum of $20.00 per week.




           ARTICLE VII (SEVEN) – MOTOR VEHICLE RULES


A. Motor Vehicles:

                                                                         10
      1. All Pennsylvania Motor vehicle Rules and Regulations shall be
      strictly enforced. ALCA Security Officers are authorized to use
      radar to enforce the speed restrictions referred to in Section A. 2.
      of this article 7
      2. Speed limit is 25 mph unless otherwise posted.
      3. All motor vehicle operators must be insured and licensed,
          where applicable.
      4. Fines:
              i. Failure to Stop at Stop Signs:
                  First Offense                 $50.00
                  Second Offense                $90.00
                  Third Offense                 $100.00

           ii. Speeding:
                First Offense                 $50.00
                Second Offense                $90.00
                Third Offense                 $100.00

           iii. Reckless Driving:
                 First Offense                $50.00
                 Second Offense               $90.00
                 Third Offense                $100.00

           iv. Riding in Prohibited Areas:
                First Offense                 $50.00
                Second Offense                $90.00
                Third Offense                 $100.00

            v. Vehicles/RVs not registered:
                First Offense                 $50.00
                Second Offense                $90.00
                Third Offense                 $100.00

8. Definition of Recreational Vehicle (RV) and All-Terrain Vehicle (ATV):
      1. An RV is a motorized vehicle not normally operated on public
         roads, whether licensed or unlicensed. An RV includes ATVs,
         snowmobiles, utility vehicles, golf carts and any other
         motorized vehicle with two or more wheels, which is propelled
         by an internal combustion engine or battery powered motor.
      2. An ATV is a motorized off-highway vehicle having a weight of
         700 pounds or less, 58” in width or less, and traveling on three
         or four low-pressure tires.
      3. Go-carts, ATVs, dirt bikes or similar vehicles are NOT
         PERMITTED to be operated at Arrowhead Lake.

                                                                       11
     4. Stand-up motorized scooters are NOT PERMITTED to be
         operated in Arrowhead Lake
9. Golf Carts and Utility Vehicles:
     1. The maximum number of passengers in a golf cart or utility
         vehicle shall not exceed four (4), including the driver.
     2. Every golf cart and utility vehicle shall display the appropriate
         ALCA registration and identification decals and flag.
     3. The minimum age to operate a golf cart in Arrowhead Lake is
         fourteen (14). All golf carts operated in Arrowhead Lakes must
         be insured under the property owners own homeowners
         liability insurance policy.
     4. Violations shall result in the following fines:
         First Offense                            $50.00
         Second Offense                           $90.00
         Third Offense                            $100.00 and revocation of
                                     registration for a period of sixty (60)
                                     days.
10.      Registration:
     1. All snowmobiles, golf carts and utility vehicles must be
         registered with the Association. In addition, proof of insurance
         must be established for all snowmobiles. All golf cart and
         utility vehicle owners must sign a waiver of liability at the time
         or registration. Identification numbers will be assigned and
         must be placed in a visible area on the vehicle. The registration
         period shall run for successive two-year periods based upon a
         calendar year. There is a $20.00 registration fee for any
         snowmobile, utility vehicle and golf cart operating in
         Arrowhead Lake. This fee is prorated every six (6) months.
     2. Guests/visitors and renters/tenants are subject to the same
         registration requirements, except that a temporary pass will be
         issued in place of a decal.
11.      Rules:
             1. The statutory revisions of Chapter 77 of the State of
                 Pennsylvania, known as the “Snowmobile ant All-terrain
                 Vehicle Law”, will be enforced at Arrowhead Lake.
             2. The Chapter 77 Restrictions shall apply to all RVs.
             3. All Statutory Rules that apply to licensed, motor vehicles,
                 such as stop signs, speed signs, signaling, rules of the
                 road, etc., apply to RVs.
             4. All of the Rules set forth in Article Vii and Article XVII of
                 this document shall apply to all RVs.
             5. The owner of a motorized, recreational vehicle shall also
                 be held responsible for the actions of the operators in the
                 operation of such vehicle.

                                                                          12
6. The owner of a motorized, recreational vehicle shall also
   be held responsible for the actions of the operators in the
   operation of such vehicle.
7. No motorized, recreational vehicle is permitted to be
   operated before dawn or after dusk without the proper
   safety equipment including lighting.
8. No unauthorized vehicles are to be operated on the ski
   and toboggan runs, the dams at either lake, or on the
   grassy areas adjacent to the beaches, pools or any other
   common areas, nor shall they be operated on the private
   property of a property owner without the prior consent of
   such property owner. Such vehicles may only be
   operated on roadways or in the designated parking areas
   within Arrowhead Lake development.
9. Any violation of these motor vehicle rules can result in a
   fine or suspension of the property owner’s privileges, or
   the filing of an appropriate complaint in Municipal Court
   for a violation of any Law of the Commonwealth of
   Pennsylvania, or the filing of a complaint in the
   Municipal Court for “Defiant Trespass” as well as such
   other appropriate action in addition to appearance before
   the Disciplinary Committee as provided for under Article
   XIII of the By-laws of the Association.
10.        The Pocono Mountain Regional Police Department,
   which is the local law enforcement agency, are permitted,
   by the “Snowmobiles and All-Terrain Vehicle Law”,
   including failure to obey posted speed limits, careless or
   reckless operation, failure to properly register or insure
   such vehicles, operation of such vehicles in restricted
   areas or failure to follow strict age restrictions.
11.        This State Law Chapter 77 requires, among other
   provisions, that:
      a) No person under the age of 16 shall operate a
           snowmobile on or across any road within the
           Arrowhead Lake development unless under the
           direct supervision of a person 18 years of age or
           older and the operator holds a State Safety
           Certificate, and further, that no such operator can
           be under 10 years of age under any circumstances.
      b) The owner of the snowmobile can be charged with
           violating this Law if he permits a violation of the
           above to occur.
      c) Snowmobiles must not be operated on the left side
           of the road, and must be operated only in single
           file, except when overtaking another vehicle, and
                                                            13
                   can only pass another vehicle to the left thereof,
                   unless such vehicle is making a left-hand turn.
                d) Passing can only take place when road clearance
                   ahead can safely permit such passing.
                e) No such vehicle can turn to the right, left, stop or
                   decrease speed at an intersection unless the
                   proper signal is given.
                f) Failure of the youthful operator to exhibit the State
                   Safety Certificate to any person authorized to
                   enforce this law is presumptive evidence that such
                   person is not the holder of such certificate.
                g) The operator of any snowmobile involved in any
                   accident resulting in any personal injuries or in
                   any property damage in the amount of $100 or
                   more must file a police report within seven (7) days
                   with the Pocono Mountain Regional Police. If the
                   operator is unable to make such a report, the
                   owner is required to file the report with the police
                   department.
                h) Every owner of a snowmobile operated in
                   Pennsylvania is liable for any personal injuries or
                   property damage resulting from negligence in the
                   use or operation of such vehicle with the
                   permission, expressed or implied of such owner.
12.   Fines- Snowmobiles, Golf Carts, Utility Carts, RVs:
         1. Noisy RV:
             First Offense             $50.00
            Second Offense             $90.00
            Third Offense              $100.00     w/      13    month
                                suspension
         2. Speeding/Reckless driving/Riding on Prohibited Area:
             First Offense             $50.00
             Second Offense            $90.00
             Third Offense             $100.00 w/13month suspension
         3. Failure to stop at stop signs:
             First Offense             $50.00
             Second Offense            $90.00
             Third Offense             $100.00w/13 month suspension
         4. Not Registered:
             $25.00 fine plus registration fee
         5. If stopped while on suspension, there will be a
            mandatory       appearance     before    the    Disciplinary
            Committee for additional fine(s) and /or privilege
            cancellation.
13.   Period of Limitation:
                                                                      14
  Any fine imposed by the Disciplinary Committee shall be phased out
after 12 months. For example, a second offense must occur within 12
months of the first offense.

         ARTICLE VIII (EIGHT) – SWIMMING POOL & BEACH RULES

1) The swimming pools and beaches will be open to all Association
   members in good standing, their associate members, guests/visitors,
   renters and tenants. Swimming at the beaches or swimming pools,
   while unsupervised by Association personnel, is at your own risk.
2) Admittance to the pool and beach areas will be restricted to
   Association members, their associate members, their guests/visitors,
   and renters/tenants who have current year, amenity use badges. You
   must have a current year, amenity use badges. Which shall be visible
   at all times to enter and remain in these areas.
3) An adult who will have full responsibility for the safety and conduct
   of the child, or a babysitter over the age of sixteen (16) who will
   assume the responsibility must accompany children under the age of
   eight (8).
4) The lifeguard shall have full responsibility for the safety and conduct
   of all persons within the pools and beach areas, and shall have, at
   his/her discretion, use of such disciplinary action as may be
   necessary to maintain proper conduct for the safety and enjoyment of
   all persons using these facilities. Enforcement of these rules and
   regulations will be uniformly administered.
5) Flotation devices and skin diving equipment are prohibited in the
   pool areas, defined herein as that area within the confines of the
   fence; and beach areas defined as that area within the roped area of
   the lake adjacent to the beach, unless through announcements of
   special activities or events by the management.
6) No glass or metal containers are allowed on the beaches or within the
   pool areas as previously defined herein.
7) The consumption of food at the beaches or pools shall be confined to
   picnic areas where tables are available.
8) No running, pushing, loud or boisterous play will be permitted on the
   beaches or in and around the pool areas, as previously defined
   herein.
9) Lifeguards will not permit loud music or sound by way of portable
   radios, cassette decks, CD players, etc. Enjoyment of the facilities is
   for everyone.
10)        No dogs, cats or other animals referred to as household pets or
   domesticated animals, will be permitted in the lakes, in the pool
   areas, on the beaches as previously defined herein, or at the picnic
   areas or other places designated as recreational areas.

                                                                       15
11)       Only one person is permitted on the diving board at one time,
   and no diving will be permitted when swimmers are within the diving
   pattern of the diving board.
12)       Conversations or discussions with the lifeguard while he/she is
   on duty are discouraged.
13)       The Association is not responsible for any personal articles left
   in the confines of the pool or beach areas or within the dressing
   rooms.
14)       All beach umbrellas and beach or deck chairs must be behind
   the lifeguard stands in order not to obstruct the lifeguard’s view.
15)       Diving or swimming off boats is prohibited.
16)       Ball playing shall be limited to the grassy areas located at the
   beaches.
17)       Gambling or drinking intoxicating beverages is strictly
   prohibited     on   all   Association    property,    unless     through
   announcements of special activities or events sponsored by the
   Association.
18)       The owner shall be responsible for storing all boats only in the
   designated areas provided by the Association and shall be removed
   there from no later than October 31. Failure to remove any boat by
   October 31 from the aforesaid area shall subject the owner to a
   $100.00 recovery fee or the loss of the boat by auction sale to be
   scheduled no later than Memorial Day of the following year.
19)       Management will use whatever reasonable means necessary to
   insure that members, Associate members, guests/visitors and
   renters/tenants comply with the Rules and Regulations.

               ARTICLE IX (NINE) - BOATING RULES

1) All persons must wear U.S. Coast Guard approved life jackets or
   flotation devices and comply with all other rules and regulations of
   the Commonwealth of Pennsylvania and the U.S. Coast Guard when
   boating.
2) No diving or swimming from boats.
3) No gasoline powered boats allowed other than the Association’s
   rescue boats. Outboard-gasoline motors must be kept in an upright
   position out of the water and the fuel source must be removed from
   the boat.
4) No child under 13 years of age is permitted in an Association rental
   boat unless accompanied by an adult.
5) Children 13 years of age and under may be required to prove their
   ability to swim before being permitted the use of a boat or sailboat.
6) All boats and sailboats must stay 100 feet from private beaches and
   must stay 50 feet clear of marked swimming areas.

                                                                        16
   7) All operators of boats and sailboats are required and responsible for
      determining the safety of the area within their immediate vicinity.
   8) The owner of a boat or sailboat shall be responsible for the actions of
      the occupants and the operator of such boat or sailboat.
   9) All boating activities must cease on any lake within the development
      during electrical storms and other hazardous conditions.
   10.       No one will be permitted use of the lakes unless wearing a
      current year amenity use badge.
   11.       Boats must be anchored no more than 15 feet from the
      shoreline when not in use, in order that navigation of lakes is not
      impeded.
   12.       Any use of the lakes for navigation or anchorage is to be at the
      risk of the owner of the boat and the Arrowhead Lake Community
      Association shall not be liable for damages or injuries resulting from
      submerged objects, collision or otherwise.
   13.       When renting ALCA boats, the rental fee of $5.00 per hour
      must be paid in advance at the office. Any person renting a boat will
      be required to leave with the lifeguard on-duty, a current year
      amenity use badge which shall be retained as a deposit until such
      time that the rented boat and it’s accessories are returned to the
      same location.
   14.       Boats will not be placed on fences at beaches nor pools. Boats
      may be chained to the bottom rung of the fence as space permits only
      at the Island complex. Boats may not be placed on dikes/dams nor
      on beach areas that have been filled with sand nor any other location
      identified as beach and picnic areas. The owner shall be responsible
      for storing all boats only in the designated areas provided by the
      Association and shall be removed there from no later than October
      31. Failure to remove any boat by October 31 from the aforesaid area
      shall subject the owner to a $25 recovery fee or the loss of the boat
      by auction sale to be scheduled no later than Memorial Day of the
      following year.

Boat racks will be made available at each beach facility. Spaces are drawn
by a lottery system each year. Applications for the lottery are available in
the Smoke Signals. The application must be completed and returned to the
Administration office at the Lodge with the required fee. Boats may be
placed on the assigned rack space beginning April 1st and must be removed
by October 31st.


                         ARTICLE X (TEN) – TENNIS RULES

   1) Any tennis activities sponsored by the Arrowhead Lake Community
      Association shall be given provided over the use of all tennis facilities.
                                                                             17
2) No street shoes permitted on any courts.
3) All tennis play will be restricted to one (1) hour for singles of doubles.
   All play will begin and end on the hour. All players must give up the
   courts on the hour.
4) Court lights will be turned off at 10:00 p.m.
5) All children under 13 years of age must give up the courts to any
   waiting adult on weekends, evenings and holidays after 30 minutes
   of play.
6) No one will be permitted use of the tennis courts unless wearing a
   current year amenity use badge.
7) Dress code: Proper tennis attire must be worn at all times. Nudity,
   swimsuits, street shoes, etc. are prohibited.
8) Skateboarding, roller-skating, roller-blading, or wheels of any kind
   are not permitted on any tennis courts.

                ARTICLE XI (ELEVEN) – FISHING RULES

1) Anglers must comply with the State Fishing Laws and Regulations
   and must possess and display a Pennsylvania license. Any failure to
   comply may result in a fine imposed by the Commission, which
   regularly patrols the development and/or fines imposed by the
   Association.
2) Fishing is not permitted from any beach, dam, dike or the levee on
   the lakes.
3) Ice fishing is permitted at participant’s own risk. Holes drilled must
   be properly marked.
4) All anglers must wear a current year amenity use badge.
5) Association Fines:
          First Offense                  $50.00
          Second Offense                 $90.00
          Third Offense                  $100.00

         ARTICLE XII (TWELVE) – MINIATURE GOLF RULES

1) Rules and regulations are posted and must be followed.
2) Fees will be as posted.
3) All users of the miniature golf course shall wear and display a
   current year amenity use badge.


         ARTICLE XII (THIRTEEN) – BASKETBALL RULES

1) Any basketball activities sponsored by the Arrowhead Lake
   Community Association shall be given priority over the use of all
   basketball facilities.
                                                                 18
2) Basketball courts are open for use by all Association members in
   good standing, their associate members, guests/visitors, and
   renters/tenants. Any unsupervised play at these facilities is at one’s
   own risk.
3) No one will be permitted use of the basketball courts unless wearing
   a current year amenity use badge.
4) Basketball play will be permitted from daylight to 10:00 p.m.
5) No loud or boisterous play will be permitted. The use of profanity will
   not be tolerated. The consumption of intoxicating beverages is strictly
   prohibited.
6) Gambling is strictly prohibited.
7) Loud music is prohibited.
8) No glass containers of any kind are permitted on the basketball
   courts.
9) Skateboarding, roller-skating, roller-blading or wheels of any kind are
   not permitted on any of the basketball courts.

         ARTICLE XIV (FOURTEEN)- BULLETIN BOARD RULES

1) Bulletin boards are located at the pools, all beaches and at the
   mailboxes. All bulletin boards are for Association use only.
2) All non-Association related non-profit organizations, which have
   information to disseminate that is meaningful to Arrowhead Lake
   residents may have notices placed on bulletin boards. The size of the
   notice must be as follows:         8 ½” x 11”. Members who have
   information to disseminate that are meaningful to Arrowhead Lake
   residents may do so on a 3” x 5” index card.
3) Before any notice is posted, it must be submitted to the office for
   approval. Please leave space in the lower left hand corner for office
   approval stamp, at least 1” x 1 ½” in size.
4) The maximum duration for notice to be posted will be 30 days at
   which time the notice will be removed.
5) If notice does not contain office approval stamp, it will be removed.

         ARTICLE XV (FIFTEEN) – RULES GOVERNING PETS

A. Pets:
      1) Cats with I.D. must be confined to the home unless collared by
         the owner.
      2) All dogs remaining in Pennsylvania over 6 months must have a
         Pennsylvania license pursuant to State law.
      3) All dogs must be confined to the owner’s property or walked on
         a leash.
      4) No animals, livestock, poultry of any kind, or any other animal
         not considered a household pet or domesticated animal shall
                                                                      19
     be raised, bred or kept on any lot, except that a dog or cat or
     other household pet may be kept provided they are not kept,
     bred or maintained for any commercial purpose.
5)   No animals whatsoever will be permitted in the lakes, in the
     pool areas, on the beaches, at the picnic areas or other places
     designated as recreational areas.
6)   Any stray dogs or cats picked up by Arrowhead Lake
     Community Association will be housed in the pen at the
     Maintenance Building. The fine for boarding stray dogs or cats
     is $20.00.
7)   Disturbance of the Peace- -It shall be unlawful to own, harbor
     or keep in custody any dog, which disturbs the peace by
     barking, howling or making other loud noises to the annoyance
     and discomfort of any person in Arrowhead Lake. Continuous
     barking, howling or the making of other loud noises by such
     dog for more than one (1) hour or continuous barking for
     periods of less than one (1) hour but more than one-half hour,
     which periods occur on two or more consecutive days, shall be
     deemed to disturb the peace and to cause annoyance and
     discomfort to persons in Arrowhead Lake.
8)   Fines:
            First Offense            $25.00
            Second Offense           $50.00
            Third Offense            $100.00
               a) Any person may request Security personnel to fine
                  any person who shall own, harbor or keep in
                  custody any dog which disturbs the peace by
                  barking, howling or making other loud noises to
                  the annoyance and discomfort of persons in
                  Arrowhead Lake.
               b) A fine by Security shall consist of delivery of a copy
                  of this charge at the residence in Arrowhead Lake
                  of any such owner, keeper or custodian.
               c) All complaints shall be in writing and shall identify
                  and specify the residence of the owner, keeper or
                  custodian of the dog or other animal. Identification
                  of the person lodging the complaint is optional.


              d) A violation of this ordinance shall be deemed to
                 have occurred upon a second or subsequent
                 violation of Section 7 above, after the date of
                 delivery of the first fine.


                                                                     20
      9) Number of animals on premises—It shall be unlawful to keep
         more than three (3) dogs or three (3) cats, six (6) months of age
         or older on any premises.

B. Game Animals:
     1) It shall be unlawful to feed or otherwise place any enticement
        for the purpose of attracting game animals as defined by the
        Pennsylvania Game Commission onto any property, private or
        otherwise, located within the environs of the Arrowhead Lakes.
        The presence of any feed, natural or otherwise, placed on the
        property will be construed as a violation by the owner of the
        property.
     2) Wildlife is not to be harassed or molested.
     3) Fines:
               First Offense            $25.00
               Second Offense           $50.00
               Third Offense            $100.00

               ARTICLE XVI (SIXTEEN) – FIREARM REGULATIONS

1) No hunting is permitted within the confines of the Arrowhead Lake
   Community.
2) Carrying a loaded firearm (pistol, rifle, shotgun, flintlock, black
   powder, air gun, BB gun, bow and arrow or any device capable of
   propelling a projectile of any kind) within the confines of the
   Arrowhead Lake Community is strictly prohibited unless authorized
   by the Commonwealth of Pennsylvania. Said authorization shall be
   registered with the Association office.
3) Discharging any such firearms within the confines of Arrowhead
   Lake Community is strictly prohibited.
4) Any person in possession of any firearms must be in compliance with
   the Laws of the Commonwealth of Pennsylvania.

         ARTICLE XVII (SEVENTEEN) – PARKING RULES

1) Parking is available at pools, beaches, clubhouse and tennis courts.
   Vehicles may only be parked at designated areas. This includes
   mopeds, motorcycles, recreational vehicles and bicycles.
2) Persons launching boats will do so as quickly as possible and remove
   vehicle to the proper parking area. No vehicles are to be left in the
   boat launch area.
3) Any vehicle parked on a street, which impedes vehicular traffic in any
   way, shall be removed at owner’s expense.
4) The owners of an illegally parked vehicle will be responsible for any
   damages that may be incurred to his/her vehicle.
                                                                       21
5) No on-street parking is permitted anytime when a snowfall is
   anticipated or when snowfall exceeds three inches in depth to permit
   proper snowplowing. A private towing firm may tow vehicles
   interfering with snowplowing. The owner of the vehicle will be
   responsible for paying the towing fee to the firm to obtain the
   vehicle’s release.
6) It shall be illegal to park in a prohibited area including an
   intersection or right of way, private property, etc.
7) Fines:
      a. Prohibited Parking
               o First offense            $25.00
               o Second offense           $50.00
               o Third offense            $100.00
               o Handicapped parking $100.00
               o All subject to towing at the owner’s expense
      b. Parking on Private Property
               o First offense            $25.00
               o Second offense           $50.00
               o Third offense            $100.00
               o All subject to towing at owner’s expense

   ARTICLE XVIII (EIGHTEEN) – HEALTH & SANITATION RULES

1) No lot or other area within the boundaries of Arrowhead Lake shall
   be used as a dumping ground for rubbish.
2) Trash, garbage, or other waste shall be placed only at roadside in an
   unbreakable container with a secure cover. Leaving refuse in plastic
   bags at curbside is prohibited. If maintenance personnel are sent to
   clean it up, the owner will be charged a fee of $25.
3) Individuals are prohibited from conveying and/or depositing
   household trash and garbage in the containers at the beaches, picnic
   areas and recreational area or any other public area.
4) Dumpsters are located behind the maintenance building off Beach
   One. Household trash or garbage may be deposited in them. Owners
   should make every effort to separate recyclables such as plastic,
   glass and aluminum and deposit same ONLY in the appropriate
   dumpster.




5) Persons depositing refrigerators, hot water heaters, stoves, couches,
   chairs, mattresses, building materials, etc. in the area of the
   dumpsters at the maintenance area shall be subject to fine by the

                                                                     22
   Association of $100. In addition, the Association reserves the right to
   file civil charges.
6) No outdoor fires of any kind shall be permitted in the Community
   except for fires contained in conventional barbeque units or outdoor
   fireplaces designed for barbecuing; and those campfires or bonfires
   that may be part of an Association-supervised social or recreational
   function. No open fires shall be started without a written permit from
   the Association. Failure to obtain a written permit as required shall
   subject a person to a fine of $50. Burning of refuse, leaves, twigs and
   the like are prohibited unless authorized by the Association. No
   person under the age of 18 may start a fire or barbecue unit at the
   beach or picnic area without the continuous supervision of an adult.
   Any unauthorized fire discovered shall be immediately reported to the
   Fire Department. Adherence to all local ordinances will be strictly
   enforced.
7) Unauthorized Burning Fines:
       o First offense             $25.00
       o Second offense            $50.00
       o Third offense             $100.00

         ARTICLE XIX (NINETEEN) – ENVIRONMENTAL RULES

1) All improvements must conform to the Building Code and the
   Declaration of Protective Covenants and Restrictions and a proper
   permit must be obtained. See Building Code, Article 22.
2) Any person residing within the Community will be limited in any
   noise making operations relative to construction or repairs to the
   home in which he resides Monday through Friday, between the hours
   of 7:00 a.m. and 5:00 p.m., Saturday between the hours of 9:00 a.m.
   and 7:00 p.m. and Sunday between the hours of 10:00 a.m. and 7:00
   p.m. except in an emergency and with the permission of the Building
   Inspector.
3) No commercial signs, excluding security warnings, shall be erected
   on any residential lot without Arrowhead Lake Community
   Association approval.
4) Each owner shall maintain drainage ditches and swales at the street
   line in good condition so as to insure uninterrupted flow of water.
5) Any improvements or landscaping made on residential lots within a
   right-of-way are prohibited.
6) No building material of any kind of character shall be place upon any
   lot except in connection with construction for which a building
   permit has been issued.
7) The property owner shall maintain the exterior of all structures
   located on any lot, which is visible from any point of any adjacent lot
   in good repair and appearance.
                                                                       23
8) Property owners of any improved lot shall maintain their property in
   a reasonably safe manner.
9) All property owners shall cut down weeds and other vegetation
   growing on their lots along any street, which may interfere with
   visibility or the safety of pedestrian or vehicular traffic. The
   Association has the right to cut down such weeds and vegetation at
   any time and may enter upon such lot for this purpose.
10)       No port-a-potty shall be permitted within the Community
   unless a property owner secures a permit from the Association and
   complies with all local ordinances. All port-a-potties shall be
   permitted for a period not to exceed one week and must be discreetly
   located. No outhouses shall be permitted within the Community.
11)       No building contractor or property owner shall remove more
   than fifty (50%) percent of the trees at the time of construction or
   thereafter without replacement.
12)       Owners of homes who own lots contiguous to the lot that their
   home is located on are encouraged to take advantage of the
   Association’s Greenbelting Policy, being more particularly described
   as follows:
       a. The land, which is the subject of a Declaration, shall become
          thereafter as one lot or parcel of land and may not be
          subdivided in the future.
       b. The land which is the subject of a Declaration, may be
          assessed as one parcel, bearing one tax assessment number,
          as rendered or issued by the Monroe County Assessment Office
          and must be in compliance with any requirements
          promulgated by the appropriate governmental body.
       c. The land that is the subject of a Declaration shall be
          considered as one lot for purposes of dues rendered by and
          payable to the Arrowhead Lake Community Association
          pursuant to the covenants and restrictions vested in the
          Association. Nothing herein shall relieve a declarant, his heirs,
          successors and assigns from the payment of dues and
          assessments due and owing prior to the date thereof. A
          declarant shall not relinquish a right too cast one vote for the
          greenbelted lot.
       d. The covenants shall not prevent the Association from charging
          or enacting special assessments for the purpose of capital
          improvement upon a per lot basis, disregarding the joinder
          undertaken there under.


      e. The covenants, conditions and restrictions shall be covenants
         running with the land, binding the parties hereto, their heirs,
         administrators, successors and assigns. Further, that in the
                                                                     24
         event of a breach of the covenant, the Association shall have
         the right to enforce the covenants including the right to
         commence an action in equity to enjoin or prevent a
         subdivision of the premises described therein. In the event of
         such action, a declarant, his heirs, successors and assigns,
         shall be responsible for the payment of all costs and reasonable
         legal fees incurred by the Association. The greenbelted lot may
         be used for an accessory building, i.e. shed, garage or addition
         to an existing structure.
      f. Fines:
              o First offense           $25
              o Second offense          $50
              o Third offense           $100

              ARTICLE XX (TWENTY) – GENERAL RULES

1) No one will be permitted use of any facilities without an Association
   current year, amenity use badge. Facilities include but are not
   limited to lakes, beaches, pools and tennis courts.
2) While using the facilities or while upon any association property or
   roadway proper decorum must be maintained at all time. No abusive
   or improper language, rowdy behavior, vandalism or other disruptive
   behavior will be tolerated.
3) Personal identification must be presented upon request to Security or
   any authorized personnel.
4) All local ordinances as well as Laws of the Commonwealth of
   Pennsylvania, including but not limited to Motor Vehicles, Firearms,
   Drugs or Controlled Substances, Fireworks, Intoxicating Beverages
   and Fish, Game and Wildlife must be obeyed.
5) No trespassing on privately owned property unless written
   permission is possessed.
6) No littering.
7) All posted rules and regulations are to be obeyed.
8) Security, lifeguards or any authorized personnel have the right to
   remove anyone from any of the facilities who is causing a safety
   problem or who disobeys any lawful direction given to them. If the
   person does not leave, the Pocono Mountain Regional Police may be
   called to the scene.
9) No alcoholic beverages are allowed at any of the facilities or
   community activities unless sponsored and supervised by the
   Association.
10)       All property owners shall be required to post the lot, block and
   section number of the property in a conspicuous location visible from
   the street.

                                                                       25
11)      The following matters, things, conditions or acts are hereby
   declared to be a NUISANCE and injurious to the health, safety and
   welfare of the inhabitants of the community:
      a. Any unregistered or inoperable motor vehicle, snowmobile or
         other recreational vehicle moved onto, stored or kept on any lot
         in such a manner as to be visible from any point on an
         adjacent lot or street.
      b. A loud or irritating sound by either by voice or instrument
         which disturbs the peace and composure of a property owner
         NOT residing in the same household. This shall include but is
         not limited to barking dogs, loud radios or any other
         entertainment/audio equipment, foul language, automobile
         horns, amplifying devices, etc.
      c. The existence or presence of any accumulation of garbage,
         refuse, manure or animal or vegetable matter which may cause
         offensive odors or conditions inimical to the public health.
      d. The pollution or the existence of a condition or conditions
         which cause or threaten pollution to any lake, waterway or
         ground water in this community in such a manner as to cause
         or threaten injury to the health, safety or well-being of any
         resident of this community or their property.
12)      Gate cards are not transferable. Issuance of gate cards is done
   on a per vehicle basis. Use of a gate card by someone other than the
   person to whom the gate card was originally issued, will be a
   considered a violation of the rules and regulations and a fine will be
   issued.
13)      All Association buildings are designated as smoke-free and as
   such smoking is strictly prohibited in any Association building.
14)      The Association shall assess a fine of $25.00 for each false
   alarm to which Security has responded.
15)      The overnight storage of commercial equipment on Association
   property is strictly prohibited.
16)      The placement of tents, campers or trailers of any kind on
   unimproved lots is strictly prohibited.

         ARTICLE XXI (TWENTY ONE) – ENFORCEMENT OF RULES
                           & REGULATIONS

1) Any violation of these rules and regulations could result in an
   appearance before the Disciplinary Committee provided under Article
   XIII of the by-laws.
2) Any violation could result in a suspension of privileges, a fine, or
   both, as well as institution of a civil action to recover sums due for
   damages or injunctive relief, criminal action, or other appropriate
   action under the circumstances.
                                                                      26
3) Members will be responsible for all fines duly levied against their
   associate members, guests, visitors, renters and tenants, and
   contractors, etc. for violations of Association Rules and Regulations.
4) The Board may bring such actions, as it shall determine appropriate
   at law or in equity necessary to enforce the collection of delinquent
   assessments, fines, or other charges including, but not limited to
   provisions for the suspension of membership and privileges and the
   imposition of a lien or liens upon a member’s property. In all such
   cases, however, reasonable notice shall be given to such members
   with respect to any such non-payment and there shall given to such
   member an opportunity for reinstatement of membership privileges
   upon satisfactory proof that such delinquency has been corrected.
5) The Association, within its discretion, may assess or levy a fine of
   $25, $50 or $100 for any violation not otherwise stipulated by these
   Rules and Regulations. The Association may assess or levy an
   additional fine of $100 for any failure to abate such violation.
6) All state, county and municipal law enforcement agencies shall have
   authority to enforce all applicable State, County and Municipal
   Statutes, Laws, Ordinances and Regulations within the Arrowhead
   Lake Community, which, by reference hereto are herewith
   incorporated within these Rules and Regulations.

               ARTICLE XXII (TWENTY TWO) – BUILDING CODE
                        TABLE OF CONTENTS

1) Purpose of Code
2) Jurisdiction
3) Classification of Structures and Users
4) Administration
      A. Architectural Review Committee
      B. Building Inspector
      C. Procedures
      D. Inspections
      E. Fines
      F. Appeal and Variance Procedures
5) Building Requirements
6) Municipal and Miscellaneous Requirements




                           BUILDING CODE

1) Purpose of Code: This building code has been adopted pursuant to
   the By-laws of Arrowhead Lake Community Association and the
                                                                27
     restrictive covenants contained in the deeds of property owners for
     the following:
        a. To establish and maintain a residential community for
            healthful and harmonious living and to enhance the natural
            beauty of the community.
        b. To standardize the administrative procedures for all
            construction undertaken by property owners.
        c. To regulate the construction, modification and restoration of
            common property and facilities of the community.
2)   Jurisdiction: The construction of all structures in the Arrowhead
     Lake Community and the moving, reconstruction, addition to and the
     use of such structures and the use and improvement of all land shall
     comply with these regulations.
3)   Classification of Structures and Uses:
        a. Single Family Residential Construction: Only single-family
            residential houses may be built in the community, excepting
            buildings erected by Arrowhead Lake Community Association
            for the use of all members.
        b. Single Family Residential Use: No land or any building thereon
            shall be used for other than single-family residential use,
            excepting buildings and common properties owned by
            Arrowhead Lake Community Association and used for the
            benefit of all members.
        c. Non-residential Use:       No non-residential use, including
            commercial or business use of any property is permitted,
            including the storage or overnight parking of any commercial
            vehicles or equipment, excepting buildings and common
            properties owned by Arrowhead Lake Community Association
            and used for the benefit of all members.
        d. Accessory Buildings: Any accessory building, incidental to the
            principle residence located thereon, may be built, shall not
            exceed 672 sq. feet.
        e. Accessory Uses: Any accessory use, incidental to the principle
            residence located thereon, may be permitted if constructed in
            conformity with Township ordinances and Association
            regulations.
4)   Administration:
A.   The Architectural Review Committee shall consist of members
     approved by the Arrowhead Lake Community Association Board of
     Directors. One of the Board members shall also be an Architectural
     Review Committee member. Duties of the Architectural Review
     Committee are to hear and decide appeals and variances pertaining
     to the Building Code and such other environmental issues by a
     minimum of four (4) members plus the Arrowhead Lake Community
     Association representative.
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B. Building Inspector: the Building Inspector of the Association shall
   carry out the duties of the Building Inspector.
Responsibilities of the Building Inspector:
      1. The Building Inspector shall enforce this building code.
      2. The Building Inspector shall have the power and it shall be
         his/her duty, subject to the provisions of this Building Code
         and Deed Covenants:
              a. To approve or reject plans, applications, detailed
                 drawings and amendments thereto, and to issue or
                 deny any permits, for the construction of any
                 improvements, as defined in the Code, within five (5)
                 working days from the receipt of a complete
                 application.
              b. To ensure that all construction conforms to this
                 Building Code.
              c. To issue stop-work orders, or to take other appropriate
                 action where deemed necessary, when construction is
                 not in conformance with the Building Code.
              d. To prepare monthly reports for the General Manager,
                 Board of Directors and the Chairperson of the
                 Architectural and Environmental Committee on all
                 permits and certificates of occupancy issued or denied
                 and fees collected.
      3. Disqualification of the Building Inspector:
                   a. In the event the Building Inspector may have a
                       conflict of interest in the administration of this
                       Code, he/she shall disqualify him/herself and
                       notify the General Manager who shall notify the
                       Board of Directors.
                   b. The Directors shall appoint another qualified
                       person to otherwise carry out the Building
                       Inspector’s responsibilities.
C. Procedures:
   1. Construction Permit for New Homes: The owner or his general
      contractor shall obtain building approvals and construction
      permits by the following procedures:
         a. Submit performance bond in the amount of $1000 for each
            home by check bearing the name of the building contractor
            and construction permit fee based upon the prevailing
            building fee schedule.
         b. Submit to the Building Inspector the following:
                 o Site plan, specifically locating any well, septic or
                     sewer lines and shaded areas designating the
                     required tree coverage.
                 o Working drawings and specifications (one each).
                                                                      29
              o Septic permit or sewage system connection permit.
              o Copy of township building permit and township
                  application form.
              o Driveway drainage ditch and culvert plans where
                  applicable.
              o Wetland delineation.
     c. All building and septic permits must be prominently
         displayed and protected before the start of any construction
         and during all phases thereof.
     d. Building may not be occupied until a Certificate of
         Occupancy has been issued by the township zoning officer
         and by the Arrowhead Lake Community Association
         building inspector. A copy of the township CO and
         requested fee must accompany the request for the
         Association’s CO. All permits and signs must be removed
         before issuance of Association’s Certificate of Occupancy.
         The lot, block and section number of the property must be
         visibly posted.
     e. The permit shall be valid for a period of 18 months.
         Construction must start within said six-month period and
         be completed within 12 months from the start of
         construction. Should unforeseen circumstances occur
         preventing completion of project within 18 months, a new
         permit will be required along with necessary fees.
2. Construction permit for Alterations, Additions and Accessory
   Buildings:
         a. Submit performance bond in the amount of $1000 for
             each alteration, addition or accessory building by check
             bearing the name of the building contractor and
             construction permit fee based upon the prevailing
             building fee schedule.
         b. Submit to the Building Inspector the following:
                o Site plan, specifically locating the original
                   structure, any accessory building, the location of
                   the proposed accessory building and shaded areas
                   designating the required tree coverage.
                o Working drawings and specifications (one each).
                o Copy of township building permit and township
                   application form.
                o Driveway drainage ditch and culvert plans where
                   applicable.
                o Performance bond.
         c. All permits must be prominently displayed and protected
             before the start of any construction and during all
             phases thereof.
                                                                   30
             d. Construction must start within six months of the date
                the permit is issued and completed 12 months from start
                of construction.
   3. Improvement permit:
             a. Property owners wishing to install a private septic system
                or drill must obtain an Improvement Permit from
                Arrowhead Lake Community Association and post a
                performance bond. A township permit must be filed with
                the application.
             b. If a property owner installs a driveway or fills a lot on his
                own without the use of heavy equipment, a permit will
                not be required. If a property owner performs
                improvements on property in which the property owner
                uses a contractor and/or heavy equipment, a permit is
                required and a performance bond in the amount of
                $1000 must be posted.
   4. Dock Permit: Owners of lakeshore property must apply for a dock
      permit from the Association after complying with all Federal, State
      and Local regulations before erecting any piers, docks and/or
      shoreline retaining walls.
   5. Probe/Percolation Tests and Bond: Owners of properties where
      applicable, shall conduct probe/percolation test prior to
      construction and provide a performance bond. A copy of the
      township permit shall be required. A failure to backfill any
      probe/percolation test hole may subject the property owner to a
      fine.
   6. Clearing Trees and Brush from a Lot: No building contractor or
      property owner shall remove more than fifty (50%) percent of the
      trees at the time of construction or thereafter without
      replacement. A plot plan must be provided which shows the
      house, driveway, garage, shed, septic field or any other area from
      which trees must be removed. The area where trees will remain
      will be shaded on the plot plan.
   7. Certificate(s) of Occupancy: CO is required for new construction,
      garages and other accessory buildings, additions and enclosures.
      A copy of the Certificate of Occupancy from the township and the
      required fee shall accompany any request for a Certificate of
      Occupancy from the Association. Prior to the issuance of the
      Association’s Certificate of Occupancy, the property owner must
      post the property’s lot, block and section number in a location
      that is visible from the street.
D. Inspections: The property owner or owner’s agent shall notify the
   Building Inspector at the following stages of construction, for the
   inspection of site upon 48 hours notice:
   1. After a lot has been cleared.
                                                                          31
   2. After excavation and the erection of necessary forms for footing
      and before concrete has been poured.
   3. After septic system or sewer system has been installed.
   4. After a well has been drilled.
   5. Upon completion of a new house, after the municipal Certificate of
      Occupancy is issued.
   6. Upon completion of the alteration, modification, addition or
      accessory building.
   7. In compliance with ASC road and pave cut policy.
E. Fines:
   1. A $100 fine is to be deducted from the general performance bond
      for the following:
          a. Pouring a footer without an inspection conducted.
             Contractor must notify office at least 48 hours in advance of
             pouring, requesting an inspection.
          b. Opening road without notifying inspector. The Building
             Inspector and ASC operator must be given 24-hour notice
             prior to work commencing. The Building Inspector must
             also be given approximate time that actual work will begin.
          c. Not posting permits.
          d. Not protecting posted permits against the elements.
          e. Removing trees against Association policy.
          f. Impeding flow of water by filling in ditch or swale and failure
             to install a culvert pipe, as necessary.
          g. Contractor on building permit may erect a sign only during
             construction. Sign may contain name and telephone
             number of the contractor. Signs may not exceed 24” in
             width and 18” in height. All signs and permits must be
             removed prior to issuance of the Association’s Certificate of
             Occupancy. Failure to comply will be cause for a fine of
             $100 to be issued.
          h. A container must be placed on site for scrap material, or
             site must be cleaned on a daily basis. Failure to comply will
             be grounds for a $100 fine and an additional $100 for each
             subsequent notice until such time as contractor is in
             compliance.
          i. Failure to remove equipment left unattended which impedes
             the orderly flow of traffic. Any violation hereof shall result in
             an additional fine of $100 per 24-hour period.
          j. Failure to comply with working hours as promulgated by
             Association Rules & Regulations as stipulated herein.
          k. The occupancy of a newly constructed home prior to the
             acquisition of the Certificate of Occupancy issued by the
             Association.

                                                                           32
          l. Failure to remove equipment over 7500 pounds prior to the
             annual implementation of the road ban as stipulated by the
             Board of Directors. Any violation hereof shall result in an
             additional fine of $100 per vehicle per 24-hour period.
   2. Unless otherwise stipulated herein, if a problem is not corrected in
      48 hours of notification, each subsequent notice will be a separate
      offense, subject to $100 fine.
   3. Working without a Permit: The contractor and/or property owner
      may be fined $50 a day at the discretion of the Building Inspector.
F. Appeal & Variance Procedures:
   1. Appeals: Any decision or order of the Building Inspector may be
      appealed to the Architectural Review Committee within 20 days of
      the decision or order. The Architectural Review Committee shall
      decide each appeal within 90 days of its complete submission and
      shall give notice to all parties in interest of the date of hearing on
      the Appeal. A record of each appeal and the Architectural Review
      Committee’s decision thereon shall be filed in the office of the
      Building Inspector.
   2. Variances: A variance is the authorized minor departure from the
      Code in direct regard to a hardship peculiar to an individual lot.
      The Architectural Review Committee may allow reasonable
      variances from the provisions of this Building Code if literal
      application results in unnecessary hardship and if such variance
      is in general conformance with this code. The Architectural Review
      Committee may grant a variance after giving due consideration to
      the following conditions:
          a. That the lot size, shape or topographic configuration is such
             that unnecessary hardship results there from and not from
             the provision of neither this Building Code nor the Deed
             Covenants.
          b. It is unreasonable to develop the property in strict
             conformance with this Building Code because of the above-
             mentioned physical circumstances.
          c. That such unnecessary hardship has not been created by
             the owner or his agent.
          d. That the variance will not alter the essential character of the
             community nor impair the use or development of adjacent
             property.
          e. That the variance will represent the minimum possible
             departure from the Building Code that will afford relief.


   3. Notice: Adjacent property owners within 200 feet, including those
      across streets or streams are to be notified of such variance
      hearing and be given an opportunity at the hearing to voice their
                                                                     33
     opinion. Notice shall be sent in writing by certified mail (return
     receipt requested) to the last address shown on the municipal tax
     list at least 20 days in advance of the hearing date by the person
     requesting the variance. The owner shall pay all notices.
5) Building Requirements- Architectural Design:
     a. Minimum size of building shall be 1200 square feet of living
         space.
     b. Height of building may not exceed 29 feet from highest
         elevation of finished grade at the foundation to ridge of roof.
     c. Each residence shall have not less than two (2) exterior doors.
     d. Accessory buildings, which include a detached private garage,
         shed or similar out buildings may not total more than 672
         square feet.
     e. All lots shall be used exclusively for single-family residential or
         accessory buildings. No tents, trailers or other temporary
         structures of any kind may be erected or moved to any lot.
     f. Any plans and/or specifications, which in the sole opinion of
         the Building Inspector are considered inappropriate for the
         community, may be disapproved.
     g. An electrically connected or battery-operated smoke detector
         shall be installed on each floor of living area.
     h. All newly constructed homes must have the lot, block and
         section number posted in a visible place. This requirement
         must be met prior to the issuance of the Association’s
         Certificate of Occupancy.
6) Municipal and Miscellaneous Requirements:
     a. Tobyhanna Township: No house shall be erected on any plot
         within the front line of said plot, nor within the side line of any
         adjoining owner or street, nor within the rear line. Building
         requirements must comply with all local municipal ordinances.
     b. Coolbaugh Township: No house shall be erected on any plot
         within the front line of said plot, nor within the side line of any
         adjoining owner or street, nor within the rear line. Building
         requirements must comply with all local municipal ordinances.
     c. Detached garages, sheds and other accessory buildings must
         comply with township set backs. An accessory building is a
         structure, the purpose of which is customarily incidental to
         that of the main building and on the same lot.
     d. No structure shall extend into the waters of the lake, except a
         flat dock not higher than two feet above the average high water
         mark or extend more than 15 feet beyond the shoreline.
         Compliance with all Federal, State and Local regulations is
         required.
     e. No cutting of boat slips or other similar excavating within the
         lot lines or building of bulkhead walls shall be done without
                                                                          34
                 the express written approval of the Building Inspector, the
                 Township, the Department of Environmental Protection and
                 the Conservation Office of the Army Corps of Engineers. The
                 boundary line of the lakefront shall be the high water mark of
                 the lake.
              f. Contractors will be limited in any operations relative to
                 construction or repairs Monday through Friday, between the
                 hours of 7:00 a.m. to 5:00 p.m. and on Saturday 9:00 a.m. to
                 5:00 p.m. except in an emergency and with the permission of
                 the Building Inspector. No work is permitted without
                 permission of the Building Inspector on Sunday.

Contractors shall be prohibited from working on New Year’s Day, Easter Sunday,
                        Memorial Day, Independence Day, Labor Day,
                        Thanksgiving Day and Christmas Day




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