HomeMy WebLinkAbout94-00756
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PETITION FOR PROBATE and GRANT m' LETTERS
E.wat~ 01 Nancv \~. Ihlll1hl.'rner
also known as
No.
To:
.,,' 1- 'i'l- '/.'; ("
Reglsler of Wills for the
, Dec'c'ase". County of Cumberl nnd In Ihe
Sorlal Secllrlt). No. 15/,-21.-llltB/, Commonwealth of Pennsylvania
The pelhlon of Ihe undersigned respeclfully represenlS Ihat:
Your pelllioner(s), who islare 18 years of age or older anlhe exeCul or
inlhe lasl wlll of Ihe above decedent, dated Novembe r 12
lMllKIlOllllln(ll)< QIUd
named
, 19...2L-
('IDlt Iclcvanl dU:III11\IDncc!o, t.ll. U'l1l1l1chulnll, delllh or eUfUlor, ele.)
Decendenl was domiciled al demh In Cumber 1 lInd County, Pennsylvania. whh
I' pr lasl family or principal residence at 27 n"rbyshir" nrivp, Cnrlisle, PA 17013
IIbl !tIr"I, numher and munclpalil)')
Deeendent, then 63 years nf age, died .June 6 , 1994
at ?.7 nnrhyqhtrn nriunl rnrliQln) rllmh("lrlnn,.1 r.t-y. PA .
Except as follows, dccedel1l did nOlmarry, was nol divorced and did not have a child born or adopted
after execullon of the will offered for probate; was nOllhe victim of a killing and was never adJudlealed
incompetent: NO EXCEPTIONS
Decendent at dealh owned property with cstimated values as follows:
(I f domiciled In Pa,) All personal propcrlY S 8. 740 .
(If not domiciled In Pa.) Personal property in Pennsylvania S
(If nol domiciled In Po.) Personal property In County S
Value of real estate In Pennsylvania S ?O~ .000
situaled as follows: 27 nerbvRhire nrive. CnrBsll:!. Cumberlnnd Countv. PA
WHEREFORE, pethioner(s) respL'Clfully
presented herewith and Ihe grant of lellers
theron.
request(s) the probale of the last will and eodlell(s)
testamentarY
(lnlllmCIIUU)'; admlnl~1rallon c.I.a.: administration d.b,n,c.t,D.)
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27 Derbyshire Drive
Cnrlisle. PA 17013
OATH OF PERSONAL REPRESENTATIVE
COMMONWEALTH OF PENNSYLVANIA } t>S
COUNTY OF CII~rnl'Rt ANIl
The petitloner(s) above. named swear(s) or affirm(s) thallhe slalcmenls In the foregoing petition are
true and correclto the besl of the knowledge and belief of pelition and Ihat as Jl"rsonal represen-
tativc(s) of Ihe above decedent pelitloner(s) will well nd/trulya . II r the ~tale according to law.
. ,
Sworn 10 or arrirn]edf)and subscribed f " t
before tlle Ihls Viti da)' of . ..
iijSu ';;f~tfr ,~('l/ G\19ffi .
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No 21 - 94 - 756
.
Estate of
Nnnr.v \oJ. Ihlmhornur
, Deceased
DECREE OF PROBATE AND GRANT 01<' LETTERS
AND NOW FEBRUARY 14, 1922--, In consideration of the petition on
Ihe reverse side hereof, sali!factory proof having been presented before me,
.1' IS DECREED that the Instrument(1l) dated Nnvpml",r 12 r Iqq2
described therein be admitted to probate and n1ed of record as the last will of
Nancy W, Rumberger
and Lellers testnmentary
arc hereby granled to Onl ton I.. Rumberger
FEES
P b L E S 270.00
ro ate, ellers, Ie..,. . . , . . "
Short Certlfieates( )"....,." S
Renunciation ."o',."........ S
X-Pages S IlI.lIU
JCP 5.00
TOTAL _ S ?9l.00
Flied...... f.~~~~,~~Y. .1,~ I, .l,~~?,.......
RqJl.lcr or WII;'". {! ~.10 '
MARY C. LEWIS
Raymond R. Goehring. Jr.. Esquire
PA 10 /100601
ATTORNIlY (Sup. Ct. I.D. No.)
Goehring, Rutter & Boehm
Firm /1102
ADDRESS
1424 Frick Building
Pi f"t'Rhlll"gh I Ph 1~? 1 Q
PHONE
(412) 281-0587
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Mailed letters and order to attorney on 2-14-95.
----.--"'--'--" .-"-
WILL
I, NANCY W. RUMBERGER I of the County of Cumberland and
Commonwealth of pennsylvania, do make this my Will, hereby revoking
any and all wills at any time heretofore made by me.
FIRST: I direct that the expenses of my last illneso
and funeral be paid out of my estate as soon as may be convenient
after my death.
SECOND: I give my tangible personal property I including
policies of insurance thereon, to my husband I DALTON L. RUMBERGER I
if he survives me for a period of thirty (30) days. If he does not
so survive me, I give to my children who survive us both so much of
said property as they may each select, and any unselected items
shall be sold and ~he proceeds distributed as part of the rest of
my estate.
THIRD: All the residue of my estate I give to my
husband I DALTON L. RUMBERGER I and MELLON BANK, N.A'I or their
successor Trustees, to hold IN TRUST as part of the Trust Estate
under the Nancy W. Rumberger Revocable Deed of Trust dated the
/,1 !.!, . day of November, 1992, as amended at any time prior to my
,
death, or, if said Deed of Trust is no longer in effect I to hold IN
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TRUST on the terms and conditions specified in said Deed of Trust
on the date of this will or of the last Codicil hereto I with like
effect as if they were set forth herein verbatim.
FOURTH:
(A) I appoint my husband, DALTON L. RUMBERGER,
Executor of this my will. In case of his inability or unwilling-
ness to act or to continue to act as my Executor, I appoint my
son, JEFFREY S. RUMBERGER I as Executor in his place. In case of
his inability or unwillingness to act or to continue to act as my
Executor, I appoint my son-in-law, THOMAS J. FOSTER, as Executor in
his place. In case of his inability or unwillingness to act or to
continue to act as my Executor, I appoint MELLON BANK, N.A., as
Executor in his place.
(B) I give to my Executor, in addition to the
authority conferred by law, the power to sell any or all of my
property, real or personal, at public or private sale, at such time
and for such price and upon such terms and conditions as it may see
fit, or in its discretion to retain the same for distribution in
kind, and the power, but not the duty, to invest any cash without
being limited to "legal" investments.
(Cl No bond shall be required of any fiduciary
hereunder in any jurisdiction. No fiduciary hereunder shall have
any liability for any mistake or error of judgment made in good
faith.
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FIFTH:
I realize that executors and trustees are given
discretion by law to make various elections which affect the income
and estate taxes payable by estates, trusts and beneficiaries I as
well as the relative shares of beneficiaries, such as taking
administration expenses as deductions for either estate or income
tax purposes I selecting options for the payment of employee death
benefits I electing to take qualified terminable interests as part
of the marital deduction, selecting alternate valuation dates,
postponing the payment of taxes, filing joint income tax or gift
tax returns I allocating my exemption from generation-skipping tax,
filing estimated income tax returns and making payments thereon I
and redeeming corporate stock. The decisions made by my fiducia-
ries in any of these matters shall be binding upon, and not subject
to question by, any affected persons; PROVIDED, however, that if a
corporate fiduciary is serving I its decision shall also be binding
upon any individual cO-fiduciary.
I authorize my Executors to
disclaim interests in property without court authorization. I rely
upon my fiduciaries to take into consideration the total income and
estate taxes payable by reason of their decisions, including those
payable by my survivors I and they are authorized in their discre-
tion, but not required, to make adjustments between income and
principal as a result thereof. They are specifically authorized to
file a joint income tax return with my husband or his personal
-3-
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representative for any period during which such a return is
permitted, without requiring him or his personal representative to
sign an indemnification agreement.
SIXTH: (A) If any beneficiary entitled to a share
hereunder is under the age of twenty-one (21) years, my Executor
may deliver it to any individual or corporation selected by them as
Custodian for him or her under the Pennsylvania Uniform Gifts or
Transfers to Minors Act.
(B) If the state in which I am domiciled at the
time of my death does not permit the use of a Custodian under the
Uniform Gifts or Transfers to Minors Act, or if my Executor fails
to appoint such a Custodian, then I appoint MELLON BANK, N.A., as
guardian of the estate of any minor receiving any sums of money I
real property or other intangible personal property free of trust
by reason of my death, if such property is in excess of the amount
which may be paid to the natural guardian; and I authorize said
guardian, in its sole discretion and without order of court, to
retain such property in kind or to sell the same, giving good title
to any real estate, to invest and reinvest without being limited to
"legal" investments and to use both income and principal for the
minor's welfare, comfortable support and education, including
college expenses.
-4-
SEVENTH:
I direct that all estate, inheritance and
other taxes in the nature thereof, together with any interest and
penalties thereon I becoming payable because of my death with
respect to the property constituting my gross estate for death tax
purposes I whether or not such property passes under this Will,
shall be paid from the principal of my residuary estate; and no
person receiving or having a beneficial interest in any such
property whether under this Will or otherwise, shall at any time be
required to contribute to or refund any part thereof; PROVIDED I
however I that this direction shall not apply to the taxes on any
property included in my estate solely because of a power of
appointment thereover which I possess but have not exercised or on
any qualified terminable interest.
-5-
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IN WITNESS WHEREOF I I have hereunto set my hand and seal
this /.tJ (6 day of II J tt'7l11 lJ~tJ / I 1992.
,
J~"'1/ II/. ';r:'.Q"1>,fl,,&/'l.lF/.J) (SEAL)
, Wcincy IT. RUmberger
Signed, sealed I pUblished and declared by NANCY W.
RUMBERGER, the Testatrix above named, as and for her Will in the
presence of us, who at her request I in her presence and in the
presence of each other I have hereunto subscribed our names as
witnesses hereto.
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Address: ,303 it,?u:..vJJt,
Address: 0~r?I o~b:!fL
If/ IflJ5dlO
L/J,y/___ ~A. /S,:J II
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Address: ~/9 /Uev.b'-'-'-~'
PdG6"'71 fJl9 IS.J16
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ACKNOWLEDGMENT
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF ALLEGHENY
)
) ss:
)
We, NANCY W. RUMBERGER, ~ laU1.f. L. );1,/10--
,]C)/]IJV L. SiTf!..GflI.-L I and ~(l"~..,p tI-I, t'vi/Vo/.,'n , the
Testatrix and the witnesses, respectively, whose names are signed
to the foregoing Will, being first duly sworn according to law, do
depose and say that the Testatrix signed and executed the foregoing
instrument as her Will, that she signed willingly I that she
executed it as her free and voluntary act for the purposes therein
expressed I that each of the witnesses, in the presence and hearing
of the Testatrix, signed the Will as witnesses and that to the best
of the knowledge of each of them the Testatrix was at that time
eighteen (lB) years of age or older I of sound mind and under no
constraint or undue influence.
/J;bIt1U !t! tlZj~udF.('ffFi:;I/ (Testatrix)
Nancy tr. Rumberger
/(~M&,<.. (Witness)
"
0'/..'=71 /J1,A,-, JJ J;t.e.,. ~ (Witness)
1:/ ~ "-'7
t'~.~ 7/'1. ~ (Witness)
Subscribed I sworn to and acknowledged before me by NANCY
W. RUMBERGER, the Testatrix I and subscribed and sworn to before me
by € /t;'nt L, /IIl,//.t~ ,MIIJJ,) /..., S.,.rf.6I1LL I and
~i""'''''np M. Ma,.l,'.., , witnesses, this IJ!IS day of
No ",.-4,e..--, I 1 9 9 2 .
(SEAL)
NotarlaI Sool
Rcl>ertJ, _. No"'!Y Plmric
Pil:lburgh, AIIoghony CWnIy
MyC'~..sIonE""resAu<J,l.199ll
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rOIlM 16 11I:0. Wlu.s
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INVENTORY
(. (1~
of all re^' And penonal euale 01 Nnoc\' W. Itll~C.I'
d.c....d, 1.1. of 27 n"rhvHhlre lJrlvc. CarllH1e
lnunilrt And ,truII
wbo dl.d
South Hlddl"ton TnwnHhin
lllorouah or Townllllpl
June 6. 1994
ldate 01 dUlhl
d '''vi
.1tlfij!~ftlij,/ehunIY. P.nn.ylv.nla. 17013
11-1> CoMI
PERSONAL ESTATE SCHEDULE
J.
Hink Jack"t - Valu" per Appraisal
$
450.00
8,290.00
2.
Jewelry - Value per Apprnisnl
TOTAL PERSONALTY
$ 8.740.00
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INHERITANCE TAX RETURN
RESIDENT DECEDENT
(TO BE FILED IN DUPLICATE
WITH REGISTER OF WILLS
Iltv. UOOn. _111-811
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CO"~Ft'."I.~~lJWbrr~fl1.Wb~ANIA
I'[ttl,280flOl
UARAIS uno, I'A 11111-0601
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OrC[o[NI'S NAME (LAST, nnsT, AND MIDDLE INITIAll
Rumberger, Nancy W.
,t.
FOR DATES OF DEATHAFTEA l'l/311a1 CHECK HERE
IF A SPOUSAL 0
POVERTY CREDIT IS CLAIMED
FILE NUMBER {I/o<
21-94-0756
COUNTY CODE
DECEOENT'S COMPL[l[ Aoonrss
27 DerbYBhire Drive
CarliBle, PA 17013
COlln'v
o 4. Umltod Es1Blo
04..
[]I 7,
Futuro Inlorosl COO1pfomlso
(for datos 01 dOBlh altor 12-12-02)
Oocodonl Molnlolnod 0 Uvlng Trust
(Anach a copy 01 Trusl)
Cumberland
V[AR
NuunrR
3. Romalndor Rutum
(lor dalos 01 daalh prIor 10 12-13-B2)
lKJ 5. FedC/al Ealala Tax
Roturn Roqulrod
...Q...... 8, Tolal Number 01 Solo Daposll Bo,as
h1{%vi;Jlt:~
Cop~"gh1IeI19lJl, 'otm IOltw11I on'v Cent" PlIIH:. Sall.....ar., 'nc.
AQUAES5
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PittBburgh, PA 15219
50CIAlS[CUAITY NUMBER
154-24-0484
X 1. Orlglna' Rolurn
[]I 8. Docadanl Diad Tosla,a
(Allach copy 01 Will)
ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULO BE DIRECTED TO:
NAME
Robert J. Wintere, EB uire
TELEPHONE NUMBEA
412 281-0587
1, Roal Eslala (SChodulo A)
2, Slacks and Bonds (SChodulo 8)
3. Closaly Hold Slock/Partnorshlp InlOlosl (Schodule C)
4, Monga90s and Nolas Rocolvablo (SChadulo D)
5, Cash. 8ank Dopos"s & Mlscollanoous PerBOnal PlOpol1y
(Schadula E)
6, Jolnlly Ownad Propalty (SChodula F)
7, Translars (Schedula G) (Schadula L)
8. Tolol Gross Assets (lolallln09 1"7)
9. Funarol Expansos, AdminlstratlvD Costs, MlscolJanoous
E'pansos (SChodula H)
10, Oabl'. Mortgago Uabllllles, Uans (Schodulo I)
11, Tolal DoducUons (Iolalllnos 8 & 10)
12, Nol Valuo 01 ESlala (IIno 8 minus Ilno 11)
13. Charitablo and Govornmonlol BoquDsts (Schodulo J)
14. Not Valuo Sub ocl to Tax Uno 12 mlnus lina 13)
15. Amount of IIno 14 taxablo at 6% rolo
(Inctudo voluos Irom Schodulo K or Schodulo M.)
16. Amount 01 lino 14 toxoblo ot 15% roto
(lncludo voluos Irom Schodulo K or Schodulo M.)
17. PrlncipollDlC duo (Add lox flom Iino 15 Gnd horn IIno 16.)
16.Crodlls/Sp povarty Prior Paymonls Dlscounl
+ 40,000,00 + 2,105.26
19. IIl1na 18 Is graalor Ihan IIno 17. onlor Iha dlllOlanco on IIna lB. This Is rho OVERPAYMENT.
~ D ICheck hero It you are requesUng a refund of your overpayment I
20. Ullna 1719 grealor Ihon IIno 19, ontor Iho difforenco onllno 20. ThIs Is tho TAX DUE.
A. Enlor tha Inlarost on tho balanco duo on Iino 20A.
B. Entar Iho 10101 olllna 20 and 20A on IIno 20B. This Is Iho BALANCE DUE.
Make Check Pa ablll to: Re Isler of Wills. A ani
~ ~ BE SURE TO ANSWER ALL QUESTIONS ON PAGE 2 AND TO RECHECK MATH ... ...
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COMPLETE MAiliNG ADDRESS
Goehring, Rutter & Boehm
1424 Frick Building
PittBbur h, PA 15219
205,000.P9o
None".
None
None
8,740,'00
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(9)
(10)
(15)
(lB)
;sj
None
617,381,'64
~ll
25,219765.
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.-
i"B31,121.64
25,372.76
805,748.8B
None
805,748.88
48,344.93
,
(8f-;
o
153.11
(11)
(12)
(13)
14
BD5,748,88
)( .00 II
0.00
48,344.93
42,105,26
D,OO
6.239.67
0.00
6,239.67
UnCI., p.n'IlI" 01 perlury,l d.clire 111.1 I h..... ...mlned Ihl, rlllu,n,lnclu ng accomp.nylng ,chlldul..,nCl.lllllme"",.nd to Ihlt bul 01 my knowl'dgll and belt.f,1I I.lru.,
cO""land compl'I..1 dtcla" thallll '.llnt.l. hll b.." r.poll.d It I . mArk.t v.lu.. Otc"'"llo" 01 tlr",1 Iher Ih,n the p.non.1 "p".."I."....I. baud on all Informallon 01
\IIIllIchp"p,",ha.anyknowledge.
SIGNATURE OF PAEPAREROTHER THM4 REPRESENTATIVE
0.00 X.1S'
(17)
Intorost
(16)
(19)
(20)
(20A)
(20B)
DATE
3/JA'f
,
DATE
.]j It>
Form 1500lA...., l1.g11
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PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING A MARK (X) IN THE APPROPRIATE BLOCKS.
YES NO
1, Old docodonl mako a translor and:
.. 10talnthousoorlncomoo'Ihoproportylranslorrod . . . . . . . . . . . , . . . , . . , . . . , . . . . . . . . . . . .. X
b, lolaln Iho rlghllo doslgnalo who BhBn uso tho proporty 'ranslorrod or UBlncomo. . . . , , . . . , . , . . . . . , , . ,. X
o. retain a revorsJonary 1"lorosl or. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . X
d, locolvo Iho promlBo for 1110 of ollhor paymonls. bonofilB or caro? ..,.. .... ,.".,.,.,.",.,. ... X
2. U doalh oceurrod on or boloro Docombor 12, 1902, did docodont wllhln two yoBlS procodlng dOBlh
IrBnsfor proporty wllhoUI rocolvlng adoqualo consldoraUon? II doalh oceurrod ahol Docombor 12.
1992. did docodonl tranBlol proporty wllhln ono yoar 0' dOBlh wllhoUI rocolvlng adoqualo
conBldorBUon? , . . , . , . , . . . , , . . . . . , , , . . . . . , , , , . . . , . . . . . . . . . , , . . . . . . , , . .. X
3. Old docodont own an 'In Wstlo( bank aceounlal his or hor doalh? , . , . . . , . . , . . . . . . . . . , , . , , , , . . . X
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,
YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
COPyrlgh1(C) 1881 form .oflwl'. onlv Cent., A.e. SOftw.re, Inc.
Form 1600 (A..... l1~it)
. -.
. '
.. t
REV-1502U+ (IZ..IS)
cOMtlR,nl~l[{\,~l,W~fiY'NI'
SCHEDULE A
REAL ESTATE
ESTATE OF FILE NUMBER
Nanc W. Rumber er SSI 154-24-0484 06 06 94 21-94-0756
(Property ,olnllv-owned wtth Right 01 Survlvorahlp must be dl.closed on Schedul. F) All r..,....t. .hould be reported et I.'r mlrltel vllue
which Is denned ..the p~ce It which property would be exchenged between. wtlllng buyer Ind I wtlllng .elllr, nllther being compelled to
b or Sill, both hlvln r..lonlble knowt 01 the relevlnt I.c",
ITEM
NUMBER
1
OESCRIPTION
VALUE AT OATE
OF OEATH
Real Estate located at.
27 Derbyshire Drive
carlisle, Cumberland cty, PA
Dsed Book 35-X, Page 17
Value per attached appraisal
205,000.00
TOTAL Also onlor on IIn01, Roca IlulaUon
(II moro spaco la noodod. Insort addlllonal ahOOls of sarno slzo.)
Copyrlght(c) 111111 'aftllloftwa" only Center Plece Software, Inc.
S 205 000.00
Form 1500 Schedule A IRlv, 12.11I)
r
REV-1&oIEX + 12-171
SCHEDULE E
CASH, BANK DEPOSITS AND
MISCELLANEOUS
PERSONALPROPERTV
PI08S8 Pnnl or 0
FILE NUMBER
21-94-0756
COMr..\l\l~~~"t.W,fjh\'ANIA
ESTATE OF
Nancy w. Rumberger
SSI 154-24-0484
06/06/94
All e
ITEM
NUM8ER
1
olnU -own.d with RI hI 01 Survlvorahl mUlt be dllcloled on Schedule
DESCRIPTION
Mink Jacket - Value per attached appraisal
VALUE AT DATE
OF DEATH
450.00
2
Jewelry - Value per attached appraisal
8,290,00
TOTAL (Also onlor on Uno .. RocI lIullllon
(Mach addlllonal8 1/2" X II' shOOloll moro spaco Is ncodod,)
Copyright IcltO;t form IOftwIF' onlv Clnt" Pi." SoIlWI't, Inc.
S 8 740.00
Form 1500 Sch.dul. E IR.~. 2-111
REV- UIOElC + 12-"1
r
SCHEDULE G
TRANSFERS
eo"rN'1ll"llM.'N)!..'v. ~lli~tVohl'ANIA
'R~SIOEN't'b~CE'DENT
ESTAll! OF
Ploaso Prln1 or T 0
FILE NUMBER
21-94-0756
Nancy w. Rumberger SSI 154-24-0484 06/06/94
THIS SCHEDULE MUST DE COMPLETED AND FILED IF THE ANSWER TO ANY OF THE QUESTIONS ON PAGE 2 IS YES.
ITEM
NUMBER
1
DESCRIPTION OF PROPERlY
Includ' n.m, 01 Ih,lr.nlr"",lh,ir
r,l.Ition.ti,-n-,o dlced,nt dlt, 0' t,anlt.r,
IRA Account #7696-7043
Charles Schwab & Co.
17 South Harket Square
Suite 1A
Harrisburg, PA 17101
Beneficiary is Decedent's
Spouse, Dalton L. Rumberger
TOTAL VALUE
OF ASSET
14,359.71
DECD'S DOLLAR VALUE OF
%IN~ DECEDENT INTEREST
00.00\ 14/359.71
EXCLUSION
2
Revocable Trust Dated 11/12/92
Dalton L. Rumberger and
Hel10n Bank, NA, Co-Trusteee
See attached copy of Trust.
Trust held with Hel10n Bank
ae Account #460-643
consisting of aesete shown
on the attached statement.
Securities 541,777.75
Principal Cash 10.04
Net Income on
Hand & Accrued 16,559.88
00.00\
558,347.67
558,347.67
3
Decedent transferred her 1/2
interest in Hel10n Bank, NA
Checking acct #254-000096
to the other joint owner, her
spouse, Dalton L. Rumberger
on Hay 20, 1994
44,674.26
3,000.00
95,348.52
50.00\
S 617.381. 64
TOTAL (Also onlor on Ilno 7. Roc.~llul.llon)
(II moro spaco Is noodod, Insort oddltlonalshoots ot Barno olzo.)
Copyrlghllcl t81t1 'orm 1011'1'1"" onl.,. C.nt.r PIle. 801Iw"',lne.
Form 1500 8c:hldul. G lRev, 2-171
REV- 1!11 EX + (e-eel
,
SCHEDULE H
FUNERAL EXPENSES,
ADMINISTRATIVE COSTS AND
MISCELLANEOUS EXPENSES
cO"'\:.~Ji'l(fh',],l1,'v. ~~JiII~'lhYANIA
ritSIDEN'f'b~CEb"fNT
ESTATE OF
Nanc
ITEM
NUMBER
A,
B.
4.
C,
1
2
3
4
5
6
7
8
9
10
11
12
13
14
Ploaso Print or T 0
FILE NUMBER
21-94-0756
W. Rumber er
SS# 154-24-0484
06 06 94
OESCRIPTION
AMOUNT
1
2
3
4
5
6
7
8
Funeral Expeneel:
Cedar Hill Cemetery - Burial Plot
Cedar Hill Cemetery - Grave Opening
Aurand Funeral Home
Aurand Monuments - Memorial
Aurand Monuments - Inscription for Memorial
Dielh's Florist - Funeral Flowers
Dr. H. Pat Albright - Minister for Funeral
Williams Family Restaurant - Funeral Meal
308.33
200.00
6,108,78
1,B52.00
50.00
116.60
150.00
132.00
1,
AdmlnlltraUve COlta:
Porsonal Roprosentatlve COmmissions
Social Socurity Number of Porsonal Roprosontatlve:
VOIr COmmtsslons paid _
2,
Anornoy Foes
Goehring, Rutter & Boehm
13,000.00
3,
Family Exompllon
Clalmanl Dalton L. Rumberger
Addross 01 Claimant at decedont's death
S"oel Addross 27 Derbyshire
City Carlisle
2,000.00
Rollllonshlp
Spouse
Drive
Slalo XL- Zip COdo 17013
Probate Foes
Register of Wills
293.00
Miscellaneous Expenses:
Muscalus Furs - Appraieal of Mink Jacket
Munn's Diamond Gallery - Appraisal of Jewelry
Rowe'e Antiques - Appraisal of Tangible Personal Property
Steven W. Barett Real Estate - Appraisal of Real Estate
Long Distance Telephone Charges
Register of Wills - Short Certificate
Register of Wills - File Inventory
Register of Wills - File Inheritance Tax Return
Regieter of Wills - Reeerved Costs to File Account and Decree
The Patriot News - Legal Advertising
The Cumberland Law Journal - Legal Advertising
Express Mail charges reserved
EXPENSES TO MAINTAIN REAL ESTATE.
Met-Ed - Electric Services
UGI - Natural Gae Services
30,00
120.00
B5.00
250.00
3.75
3.00
13.00
15.00
77.00
44.56
40.00
25.50
256.83
45.30
$ 25,219.65
TOTAL Also onlor on IIno 9. Roca Ilulallon
(II molD spOCO Is noedod, Insor1 additional shoots of BOrno slzo.)
Copynght lei 111111 form lofl"".,e only Clntlr PIle. 50It"""I, Inc.
Form 1&00 Schldule H IRev. 7-S8)
. ,
,
REV-15tHX + 1'0-18)
COM:!RJtlrt\~~~e\W~~'NI'
ESTATE OF
SCHEDULE I
DEBTS OF DECEDENT
MORTGAGE LIABILITIES AND LIENS
Nancy w. Rumberger
06/06/94
FILE NUMBER
21-94-0756
SSI 154-24-0484
ITEM
NUM8ER
1
OESCRIPTlON
AMOUNT
124.42
Met-Ed - Electric Services
2
UGI - Natural Gas Services
28.69
TOTAL Also onlor on line 10, Rocs lIulatJon
(II more opoco 10 noodod,lnoert oddltlonsJ ohoolo of 011I11O olze,)
Copyrlghl(el filii fa,,,, lotlwa,. only Cenl., Pilei SoUwar..lnc.
s
153.11
Form 1500 8ch.dul. IIR'v, 7-11)
, ,
REV- UI3 U + (2-111
cO"'\'.9/t';if.l'.lltt'V. e~/t~t~hl"'"
Rtsib"tN'foEc1:0ENT
ESTATE OF
SCHEDULE J
BENEFICIARIES
FILE NUMBER
21-94-0756
Nanc W. Rumber er
ITEM
NUMBER
55# 154-24-0484
06 06 94
RELATIONSHIP
AMOUNT OR
SHARE OF ESTATE
NAME ANO ADDRESS OF BENEFICIARY
1
A. T"sblo 8<lquosl.:
Dalton L. Rumberger
27 Derbyehire Drive
Carliele, PA 17013
Tangible
Pereonal
Property
Spouee
2
Dalton L. Rumberger and Mellon Bank, NA,
Co-Trueteee of the Nancy W. Rumberger
Truet Fund A Dated November 12, 1992
c/o Mellon Bank, N.A.
One Mellon Bank Center
Pitteburgh, PA 15258
Truetee
$111, B52. 61
3
Dalton L. Rumberger and Mellon Bank, NA,
Co-Trueteee of the Nancy W. Rumberger
Truet Fund B Dated November 12, 1992
c/o Mellon Bank, N,A.
One Mellon Bank Center
Pitteburgh, PA 1525B
True tee
$680,OB7.61
ITEM
NUMBER
NAME ANO AODRESS OF BENEFICIARY
AMOUNT OR
SHARE OF ESTATE
B. Charitable and Govornmontol Boquosts:
TOTAL CHARITABLE ANO GOVERNMENTAL BEQUESTS Also onlor on Ilno 13. Roco lIulolion
(II ma,o spsco Is noodod.lnson sddltlonol.hool. 01 soma sI20,)
COPvright!C)1UD' lorm _011",,&,. nnlv C.f1I11' PIIC. Sotl""arl, Inc.
s
0.00
Form 1500 Schedule J (R.v. 2.11)
.
Q
o
WILL
I, MAHCY .. RUMBERGER, of the County of Cumberland and
Commonwealth of Pennsylvania I do make this my Will, hereby revoking
any and all wills at any time heretofore made by me.
FIRST: I direct that the expenses of my last illness
and funeral be paid out of my estate as soon as may be convenient
after my death,
SECOND: I give my tangible personal property I including
policies of insurance thereon, to my husband, DALTON L. RUMBERGER,
if he survives me for a period of thirty (30) days. If he does not
so survive me, I give to my children who survive us both so much of
said property as they may each select, and any unselected items
shall be sold and the proceeds distributed as part of the rest of
my estate.
THIRD: All the residue of my estate I give to my
husband, DALTON L. RUMBERGER, and MELLON BANK, N.A., or their
successor Trustees, to hold IN TRUST as part of the Trust Estate
under the Nancy W, kumberger Revocable Deed of Trust dated the
" :' :.. . day of November, 1992, as amended at any time prior to my
death, or, if said Deed pf Trust is no longer in effect, to hold IN
Doc. #9JJ9
Oct 27. 1992
9:06am
Wl
SLR
TRUST on the terms and conditions specified in said Deed of Trust
on the date of this will or of the last COdicil hereto, with like
effect as if they were set forth herein verbatim.
FOURTH: (A) I appoint my husband, DALTON L. RUMBERGER I
Executor of this my will. In case of his inability or unwilling-
ness to act or to continue to act as my Executor, I appoint my
son, ,JEFFREY S. RUMBERGER. as Executor in his place. In case of
his inability or unwillingness to act or to continue to act as my
Executor, I appoint my son-in-Iaw, THOMAS ,J, FOSTER, as Executor in
his place. In case of his inability or unwillingness to act or to
continue to act as my Executor, I appoint MELLON BANK, N.A., as
Executor in his place.
(B) I give to my Executor, in addition to the
authority conferred by law. the power to sell any or all of my
property, real or personal, at public or private sale, at such time
and for such price and upon such terms and conditions as it may see
fit, or in its discretion to retain the same for distribution in
kind, and the power, but not the duty, to invest any cash without
being limited to "legal" investments,
(Cl No bond shall be required of any fiduciary
hereunder in any jurisdiction. No fiduciary hereunder shall have
any liability for any mistake or error of judgment made in good
faith,
-2-
Doc. #9339
Oct 27, 1992
9:06am
HI
SLR
FIFTH:
I realize that executors and trustees are given
discretion by law to make various elections which affect the income
and estate taxes payable by estates I trusts and beneficiaries I as
well as the relative shares of beneficiaries, such as taking
administration expenses as deductions for either estate or income
tax purposes, selecting options for the payment of employee death
benefits I electing to take qualified terminable interests as part
of the marital deduction, selecting alternate valuation dates,
postponing the payment of taxes, filing joint income tax or gift
tax returns, allocating my exemption from generation-skipping tax,
filing estimated income tax returns and making payments thereon,
and redeeming corporate stock. The decisions made by my fiducia-
:'
'.
\
\
ries in any of these matters shall be binding upon, and not subject
to question by, any affected persons; PROVIDED, however, that if a
corporate fiduciary is serving, its decision shall also be binding
"
I
.
I
upon any individual cO-fiduciary.
I authorize my Executors to
disclaim interests in property without court authorization. I rely
upon my fiduciaries to take into consideration the total income and
estate taxes payable by reason of their decisions, including those
payable by my survivors, and they are authorized in their discre-
tion, but not required, to make adjustments between income and
principal as a result thereof. They are specifically authorized to
file a joint income tax return with my husband or his personal
. .
-)-
Doc. ';9 JJ9
Oct 27, 1992
SLH
tj : UfhU'l'l
Iv 1
representative for any period during which such a return is
permitted, without requiring him or his personal representative to
sign an indemnification agreement.
SIXTH:
(A)
If any beneficiary entitled to a share
hereunder is under the age of twenty-one (21) years, my Executor
may deliver it to any individual or corporation selected by them as
custodian for him or her under the Pennsylvania Uniform Gifts or
Transfers to Minors Act.
(B) If the state in which I am domiciled at the
time of my death does not permit the use of a Custodian under the
Uniform Gifts or Transfers to Minors Act, or if my Executor fails
to appoint such a custodian, then I appoint MELLON BANK, N.A., as
guardian of the estate of any minor receiving any sums of money,
real property or other intangible personal property free of trust
by reason of my death, if such property is in excess of the amount
which may be paid to the natural guardian; and I authorize said
guardian, in its sole discretion and without order of court, to
retain such property in kind or to sell the same, giving good title
to any real estate, to invest and reinvest without being limited to
"legal" investments and to use both income and principal for the
minor's welfare, comfortable support and education, including
college expenses.
I
i
,.
-4-
--...,. ...-.
......
.--.--.-,...-..,-.-
,--.-
this
IN
/ :1 i:/j
WITNESS WHEREOF, I have hereunto set my hand and seal
day of ,'l " -I.,. ':~I.'
, 1992.
,(;",.",.1 " Y.. "....,../.,.:,..
,. t-Iancy W. Rumberger
(SEAL)
Signed, sealed, published and declared by NANCY W.
RUMBERGER, the Testatrix above named, as and for her Will in the
presence of us, who at her request I in her presence and in the
presence of each other, have hereunto subscribed our names as
witnesses hereto.
~/'I!d&1-'
,I'
);"(La.. "l.-.~ ;;.(J4e,~0L.'
Address: J~t:5I tJ'\t?:lt0b-:fb
1j~/lJ5d(O
Address:
....:JO_:.; Jh tL,,(,...Z..V J { ,
-/j y~;l!(. .I:) ~, II
a- ~ :?;'? ~.......e-
Address: 3/9 AJe.,.h,""",,-~'
pj;!;, 6r1 ,019 I s.,J16
-6-
ACKNOWLEDGMENT
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF ALLEGHENY
ss:
We, NANCY W. RUMBERGER, (/a"1~ L. )l/,I/if
,]2'/i/A) L. ;, it:..ci'iiL..L , and ~n".j;",. 1-1. /-.f"".j,'" , the
Testatrix and the witnesses, respectively, whose names are signed
to the foregoing Will, being first duly sworn according to law, do
depose and say that the Testatrix signed and executed the foregJing
instrument as her Will, that she signed willingly, that she
executed it as her free and voluntary act for the purposes therein
expressed I that each of the witnesses, in the presence and hearing
of the Testatrix, signed the will as witnesses and that to the best
of the knowledge of each of them the Testatrix was at that time
eighteen (18) years of age or older, of sound mind and under no
constraint or undue influence.
I.
'. ""ifan~y
I '. .
.. .... <,
.u,I..t:.,;"'/:,/1
W. Rumberger
(Testatrix)
~(CU-x-e#f~
(Witness)
if.'-:ri 'I'L''- -.f. Jt~.-1tLL( (Witness)
, .. \ T
(.IL'~ om. %&4":t=:
(Witness)
SUbscribed, sworn to and acknowledged before me by NANCY
W. RUMBERGER, the Testatrix, and SUbscribed and sworn to before me
fit( I rlt L, A-'U/ /10'
by
f'J.n',I.'M' ~. Me....l.n
No ~e..-.
.Jc.~/:'I-A.. :... ''>''~1..:/1LL
, witnesses, this /,J )!,S
, and
day of
, 1992.
(SEAL)
UotanaJ 5e.'lI
Robo"J, w""..~, NoI'!)' Flbic
p,t.t>J'1lh. ,'<'...'wi C<>.Jn~
MtCc.mrr.'::.c". ~>c,~skJcJ 11~
....-_.._--;.~ ._A
f.i~r:-.~.:~, I>'.V~' .;I...h~I~)l,.JOI.w:III" .1...: ,._,
APPRAISAL OF
THE PROPERTY LOCATED AT
27 Derbyshire Drive
Carlisle, PA 17013
ASOF
August 1 0, 1994
FOR
GOEHRING, RUTTER, BOEHM ATTYS.
14th Floor, Frick Building
Pittsburgh, PA 15219
BY
STEVEN W. BARRETT REAL ESTATE
124 N, Hanover Street
Carlisle, PA 17013
Steven W, Barrett Real Estate
124 N, Hanover Street
Carlisle, PA 17013
(717)243.6646
August 17, 1994
GoehrIng, RUller, Boehm Allys.
14th Floor, Frick Building
Pittsburgh, PA 15219
RE:
Property.
27 DerbyshIre Drive
Carlisle. PA 17013
Nancy Romberger Estale
94-0711
Borrower.
File No..
Dear Sir or Madam:
In accordance with your request, I have personally Inspected and prepared an appraisal
report olthe real property localed at:
27 DerbyshIre Drive, Carlisle, PA
The purpose 01 this appraisal 15 to esllmate the market value of the property described
In the body ollhis appraisal report.
Enclosed, please find the appraisal report whIch describes certain data gathered during
the investigation of the property. The melhods of approach and reasoning in the
valuation of the varIous physIcal and economIc factors of the subject property are
contained in this report.
An Inspection of the property and a study of pertinent faclors, includIng valuation
trends and an analysis 01 neighborhood dala, leads the appraIser to the conclusIon that
the market value, as of August 1 0, 1994, is :
$205,000
The opinion of value expressed In this report Is conllngenl upon the Limiting
Condlllons allached to this reporl.
It has been a pleasure to assist you; If I may be of further servIce to you In Ihe luIure.
please let me know,
Respeclfully submllled,
Steven W. Barrell Real Eslate
.-0,,,.. vXU
DIANE GILL
PA Certification #RL'001579,L
&'nu W RI'ft~ flullll,', (limn 66"
C06U'
Prop."v OuerlPtlon UNIFORM RESIDENTIAL APPRAISAL REPORT FII. No.
p,op'''Y^',dltn 27 Derbyshire Drive c'ry Carllule SIa" P^ 7,pCo,"
L.g.'O"'''OIlOn Deed 800k 3~-X. Palle 17. South Middleton Townuhlp C,"nry Cumberland
s As~euo"'_~arce!No 'IO~09.0533.049 141VUI 9'1/95 ltLbles S 3200.69SpeclalAssflsmenls
~ Dorrower Noncv Rombpro....r P.r.tatc COllenlOwnlJ' HIH Romhl'rp....r Occupanl Ix lowner f. i Tenanl
~ Plopeltyllahlsappralud I XI Fee Simple j Ileasehold Proltc'Ivpe, I PUO I ICOndOmlnlumltWONAOnlYI tWAS NA
~ N'lg~bor~.o_o.dorProjecINam.. Mayapplc_ Maplte!"ence 09..0533. Censusltacl 012~IOO
Sale Pllce S Nu Dale 01 Sale Na I OutrlptlorHlnd Samou~Iol.loan.~_ha.rge~/concusl.ons .10 be palll!:')' S~lIe!._ Na
Lend"'Chen',Goehrtnll. Rutter, 80ehm Adolt" Jllth Floor, ,Frick ,lIuUdlnll, Plttuburgh
AOOltll" DI^NF. GII.I,/s.W,MRIU,TT Addlt" 126 Nortb lIanovor St Carll"lo P^ 17013
locaUon ~ Ulban X Suburban ! : ftural ! Prldomlnanl ~~~It '.mllr "oUIll~[ Pr...nlllnd un" Lind un chug'
BUill up _ O,,,7S'lIo J{ 15-7S'lIo ._1 Under1S'lIo 'Gecup,"" StOOO) IY"I Onerm'y 60 L~NOll""Y:_ !L""y
Glowth Rate _ RapllI ~ Slable 1 SlOW. I flowner 90 low _NoW' ,." lamlly 0 [X/lnprOelll
PtOputy values _ Increasing )C. Slable j Declining ! ----11 Tenanl .~~.:l.9 !U~~._ ~J._ Mu111.famlly _ 0 To:, rcs.iden tiaJ
Demand/SuPply I-- Shortage 1..'5.. Inba1antl~.: ovelsupply! !JI!. V.Jcanl(O.S"1 ......_..IPuld.oml~an~[__ Comme/clal 5
MllkeUngtlme I Unde'3mos,~ X 3.6mos l Over6mos i r IV.1Canlllllf'!l\)i PtS 15 Vacant 35 ~ .-
Holl: Ran and Ih, "e1,1 compollllon 01 lh, n,lghborhood '" nol .pptlllllflCIOrl,
. N"ghOC,hGG' bGund"i" and Ch""""'IIC': ,Bounded on the nonb by ,Route 81, on the south by Bolling SprlngD.
! ~~Io~t-~a1.c:tt~c~.I~.y~;,~r~~I~:~~~,;ea~~p~l~e~ '-l~hl~e ~e~g~~;h~~ (~~:;~I: ~oeOmdpl~y~e~i-.~nd amenlil~s, emPloymeni- S'I~biirtv,-~Ppe;I-I~~~a-rket. elc):
H
& _S~bjjl!:.t. )D_tp~a,t!1d,Jn.. Mayapple ,VlIlage. a gol r . courue,_ communJty between_Ca,rUDle_and J!oUIn& '
nSprJnSD"_,Acceaa_,,tO,all. amenltloaIa within a uhor,t drlvJng ,dlatsnco, ,F.mployment_~u._,,,____
i ~.~ver~lUed~_p~~-~B.tabJ~, J\~~~al ~o ma rkot_1 u a ve rsge_ to g~~~~~_S~~^~2"O,::=~:u=:":--~:~:- _: _. __
9"'0711
17013
IcHO.OYr
I I Vacanl
IMo
Market cOncllllons In Ihe Subject neighborhood (including suppOtt 101 the above conclusions relaled 10 Ihe t1enll 01 Ploperry values, demand/supply, and mllkellng lime
.. such as dala on complllllve plOperlits 101 sale In the neighborhood, 1I1!SCltpliOn 01 Ihe plevalence 01 sales and finanCing ConCessions, elc,);
.!'.r.Qp.enY_llJlhB_!'El.cQrJl 1>. _snd _..MLS. I> ta t 1 ut Ic u I>how_,.s _l>teadY..!JlO~1l r~,te_Inc res ue_JIl,_p.r.QPe r.tY__Vjll \lea ._
.QY.er-PJlD,Ly,IlJl L__I\V.!1!:sg9_ mark!1~ lng t I me _oJ_SO :.1.0,O_dsy u _In_prea. ahows .JlnSOO,d _bsJsn_~o_of _uupp ly,__
JlJ1LJl9!!1PJld~_F_llILj;JlJ~a_snd ,f InPnc I nf, conC!1a U I on,u, are._neoded_1 n. .neJghb,oJ'hood, __._, '____u__.__ _. '___m
, Prol,elln'orm,lIon ro, PUOI (It appllcablel" Is Ihe develop.r/bulld.t In conltol ollhe Home OwnelS' Assocllllon IHOA)? ,L_l VIS _ LJNo
g. Approllmale lolal number 01 unllS In Ihe subject proJecl tl8________~. Approllmale 101.11 number 01 unlls fot nleln Ine Subject project t!~_____ .
DescrIbe common elements and ,eClullonal facilities; No
DImensions .S_~r:_~_t_t~~h~d_p.lQt.. from _.t 8x._map ,._ s1 t_e __f_r.om_.,t~a x~l;'c~d_s_ Topography _Le.vc.1..,_.___________._ _______
SUe area ~.J!t_ltc;_rJ~_____~.__..____.___~___. __._ Cornet lol [~VIS UtI No Slle _'ry...Pi~ElJ___fQJ"~_p;_r_~o"____.~.~_
Specillc lontng classification and descriPtion ._..R:.1,,_R.csJ.d~nt~81 Lo_\ltJ!_qnsi.~y___ Shape .Ixr.~gll..:1._~.r_"._____~___ _ _ ,_.
Zoning compliance [~lleoal 0 legllnoncon.'ormlno. (C'I~a'I!.e'e.a.1I1 0 Illegal D. NOlOnlng Drainage _A~~.quat.e__. _~._______.__._._._
. J!!ihesl & besl use as Imp,OY_~Jiliese'!L~_ [J_gt~e!.l!s~_I~~~~I~____n____m___. View OJ:1H~.r~_~CE:;,i.9J!:!1~t~ll J\_V_~~8g~
s UIIIIIIII Public Other OIl'llI.lmproVlm,nll Type Public Prlvale landscaping _G9_od..____._ _ __._~____
I Elltlrlclty I slreel ..H8cada..m._________ ~x j DtlvewaySurlace _Hacadom~____
. Gas X ___ Curb/guller None_____ _.____ Apparentl1semenls None Indicated
Waler X Sidewalk Concrete __ ____...__._ X FEMASpeclaIFIOOdHI;atd~A;"I-~--- -- DYesTxJNo~
Sanlla'Yse." X ________ Sll"'''ghl' lIone_u_~___ ___u._. fEMAlone C__,__n M.pO." .1lL4/SJ__,_
~~msewer _ X ____~____ Alley _ _ ~ _None__~_____ _....__._._. _____ g~~!~~P.~o,__..--'1~0.3J.1/\._.__.___.___.__
Comments (IPpaUnl adverse easements, encroachments, speCial assessments, slide areas, Wegal or legal nonconlormlng zonmg use, elc.): _11Hu-:_e_~L~_ra9__
JIJ!PJt.rcnt 9:~ty"~"u.~~e_~~.J;_f;!~.eo_ts 1.__e['lcrqocl1mell~~..~.oJ'__o_t_hc.r__9:dvers~_.<;.o!ldi1:Jol1~.!n.. ___ "___ __________.____ ____
""
=
GENERAL OESCRIP7ION EXTERlGR OESCRIP7ION
No. 0' Units _._ 1._._..~___. Foundation Conc r.ctc Bloc.k
NO.olSlolles ___2__ ___~ EltlerlotWalls Vinyllnr~ck
Ty" (O,UAIt) po\:.scl!!1d" ROG'SUO'''' Sh i nlllo,
O'''gn{S~'') ,_2n~toJ'Y, GUll",&O.nspl', _MumInum..
EIIsllng/Proposed ~~_tS:.t....l.Qg_ Wmdow Type Doup,l c. Hung
Age (Vrs,) _ 1____ __ SlormlScreens 'rhcrmopa.ll.c
ElfecUve Age (VIS.) 0 - 1 Manulactulld tlouse No
_B-O_l!..M_S~_ __f(ly!r_~ ~l.ly~~g 1__ Dilling Kllchen
_B.!~~!!1~.~ ____.____. __ .___._.
J:!Y!!..!--_ _:It;~ __~L ____~J ___.
Den
fOUNOA7ION
SlaD None_ _ n_ ~
CrawlSpace Portiol~.
Basemenl .Po r t ioJ.
Sump Pump Ycs.__
Dampness "J~one~J)bs '!._
Selllemenl Nooc___Obs~!__
Inlulation None Obs.
F~m_ity A.m. Aee. Am. Bedrooms
. _ _A!~a_ S!1: _F~__ ._~
. _______,_0,: ___
___I. 9~8._
'n___~S.5. _
BASEMENT
Area SQ. ft.
%Flnlstled
CelUng
Walls
Floor
OutsIde Enlry
,NSUIA7ION
Rool
Ceiling
Walls
Flour
None
Unknown
'0.
-0'
No
No
No
No
.---- l-
. -~ f-lI
..--- .1\
~
----1-
1
,
C
.
I
I
G
.
.
r
I _~e~!!,~_"_ ____ ..._
"
: -F-Inj;h~d-;It;-~-'-;~~ Ugrad;-~~~la'I~~: 1..__ ..-] Roo~s: 3 BedroomfS}; 3.5. . Bath!S): 2 533 SQuare Feel ~1'G;~-~-LiVJng Are.1---
Q
I INTERIOR MalellalslCondlllon HEATING KI1CHEN EOUIP, ATTIC AM(NlTlES CAR STORAGE:
~ floo.. .___Csrpgt!YJnyJ__ ly.. GII^.. R""g""or L) None -=-. f"'P""I'I' C__,_.I.~ NGne []
~ Walls ._J!a.~l-!___.-u___ fuel __Gas _____._ AangelOven 4 Slalrs _ Pallo ______. ___. J;. Garage
s T,lmlFlnlsh __J{o.o.d_.___~q_~,.< CoMlIlon ..9_(~)(:~d__. Disposal ~ DropSlaJt ...! Oeck "_____ .__.~ Attached
Balh Floor ._----Ytr:!YJ____..._._.__ COOLING Dishwashet r:~ SculUe ,_ POlch _ _ _.__ ____ _ Ji Del.1ched __ _____~_.
BalhWalnscol___Dx~olJ___.__"____ Cenlral .Yc_s _ FanlHood ~ floor _ rellce n___n'~__ ,_ Built.ln
Doors _ Wo.ocl__mm'_ __.. . Olher ~a.. H" MictOwave ~~ tleated ,.-. Pool __~.. .. _ Carpon
Good Condition Condillon Good Washe,lO,.,.er FinIShed Driveway -2lH~~----
~
Addlllonal futures lspeclal Ineroy etllclenlltems. elc,l: Gas flr~placc., .~rc8J'.__P.~tJQ.,_c_ar~~ic, .foyer.. __ __'n.. .'_____"'."_'_."_'_'
C f' 'co;ilil~~--~i'--Ih~-' i~p.r~:~~'~~i~.-d~PI;~lallon i~h;s'~al. 1~~i;~~~I, 'and-'^'-lle;nal}:. ;;p~.ir~-. -~~;d;d, ~ Q~~II~-~l cOnSIfUtllon, le~~d;ll~g/~ddlll~n-s~-;I;,~'-.. -- ---~--_.--
: Imp !:oyemoncu , are"Xn..goodconditlon wltb. no. pby,l>lcal or functJonal InsdoquadcJl,_apps_ro~,i:-,-.:-_--=
,
.
1
5 Adverse enVllonmell1.11 condlllons (such as,
1 Immediale VICinity of the Subjetl pfOperty:
I
.(Baths
Launllry
Olhlt_.
.1
I
__1
2
__ __.2,5
_ .._I _
101 calS
.L..___
m__ .
but nol llmllell 10, hal.1fllOuS wasles, IO.lt substances, elc.) prllsenl rn the Improvemenls, on Ihe slle, or In Ihe
No adverue onvlronmentsl conditions ore apparent/dluclosed,
I '!~1I ~ "'Ii; III"T. 10 6 91
'Jr.1I
I'Afill(JIl
~,{'''.Ir 'r:. Iltl Il'n I"n'nl 0"1' IflQOI ~i] Oftn
h'~el.llOlo'''IOO.16 9]1
Coso .:
VI'Ulllo.I,,".. UNIFORM RESIDENTIAL APPRAISAL REPORT File No. 91,. 0711
[STlMAffO SIT[ VALUE ... $ 1,0.000 Commenls on Cosl APPIO,1Ch (SIICh as. sourCl 01 CDS! esllmate,
[STlMATtO REPRODUCTION COST.N[w.m tMPIIOV[M[NfS: slIe value. I~uafe 1001 calculallon, ,lnG lor HUD, VA and rItlHA. the
C Dwelling t.533._ SQ.f1Q$ 5'1.00.$ 136.782 eSllmaled remamlng economiC IIIe 01 the property)' Cost new
i ~~~~Ploce}p~~1:i;~~;h 10,00 l;:~~~ i ~~~:b~~~S~~~II~~~itc~:~u:~~~~s~:~~~~~
~ GlIIgIlCarpo'1 ..-'163 Sofle$ 16,00 7,726 I value. from Horket, Data ,Comparison.
t TotIIE.llmll.dCo.INlw ",,,..,.$ 162,O~0 I Depreciotion bosed.onoge1He observed
~ LIII 0,6% PhySical fun chona' E"lfnal i condition.ond .Horket. Data Anolysls.
~ D.pIIClallon .,._..I..,ood. L . $ 1.000, i Estlmoted,Remoining I!conomic, Li fe, ~~. 60
OlplltlaledVlluloflmprovemlnls .$ ____161.050 I years
'AS.ls'V.luloI511elmptoYlments ..',......,.... .$ /1.000 .~
INDICATED VALUE IT COST APPROACH'S 2 :
, ___-',T~M__..Jh,,_SUB1,ECL ..COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO, 3
27 Derbyshire Drive 10 Derbysbire Drive 6 Whitley Court 22 N, Acorn Drive
_A~dl.!.!__Cs.r.1id ___..__........Csrliole Csrlisle., Boiling Springs.
J.!"'''''.!!Y_I~S~bj~J__ __......_.._._. .1i,B.I!lIL~.tr.!1,!1Jt. ...~....!J\.l.I..!L-.J . Lm1.llL""J.' ".-
_S!Ie' Pilei... _...._". S.___..___ No" ....,......._.._....... ,$ !,_.195 ,llll.O _..............._..._ $ [__.)..6.>...,2.00 ___._- $ r..itO.z.~OO_Q.
J'!ICllGro!!1~'~"__...L..__"BO,93_rfis,.92,16 'II ~9.9L __..$__. BO,I'21/, Z9,.89..__, $ _B5,6BI/I1.29...9.L.
Cllaand/or Inspection Courthouse Records Courthouse Records Courthouse Records
_V~!lrlcltlonSou,C1s __ __._.~___~__. .___ HJ.S_PS_t.8_ ^pprais_c!"~~_s___1)_8_t8____",_ MLS,_,D8tJl__.___"_~___._____'m
'LA1~L~j.!J.~TMENTS DESCRIPTION ___ _ __.Jn~~_RW'!O_N .__.___'JI_S~,~'!~I_~~_ .__ DISC_R~~!.Q!,,__ _... ~t-HA!j.'l':~~~__ u__Q_~~C~!f.!LQ_~__1~J~!ttj~_'l!~!!.__
SallSorFlnlnclng None. Con v : None, Cony ! None. Cony :
Contlnlohl ,PQ!Ll"BL__.,,___,L._.. _".___. D.OH".1n_____L._. __.n_ J19H...!ln!<J1QWT1 _;___ _,,_...
Dale 01 S.aI,tTlme 8L2_0.L23. ~_~__________ _2/_lL9.~_"___,.t_.--.~_~- ~L9L__.!..--_____~
Location _v..e_r~1tt:~_ .h.y.e"r_a_ge__+_!~___m+__+_..^v_e t"IlBe._---L_____ Av_f.!.rj1&e___>_L.________~
Luseholdlfet Slm Ie j'.J;LE:_S..lmp},e__ ~g~L_Slmpte.__:___._.______ JLe_<!:_SJJIIP_t~L_L__.___.__ .f~e_SJ~pJ.~u._ :--- -----.
SUe AYJ~r.~&e__.____ .l\Y.e.rp,g~_______1____--,---..-__ AYcfage__L.___________ Ay.eJ'~ge___i_-.-.m.m-
VIew A~~~_a&e___ lw_(tr_(l&~~~___L~__ _._______ ^v.l!r~age___L __ _I\.~~_r~ge_._.__l________
Design and Appul 2 S~t.QX.YIG_QQ_d.. ~J_tQJ'YLGp99_L._______ ___ _Z_S.t.9J..Y.LG_Q.Q.d_~______ _~_S_t.QryJ_GQ_o_d.i___~_ --
~ Df Constfuction A,ver@ggLG.09Jt _1\.v.~J_~&eLGo.o~-L__.~__ .Av.eI'~geLGQ_odi-.____ _A_v.~.r~ge l~~Q.~uti___=-~_-
1 ~]' 1 YeJu'__ Ife.wnn___.:__.___'" .tlc.W_. : .-- Rew____..__,___..__,
L Condition Good Good : Good : Good :
\ AboYeGrlde -i~;-1 SlIml i 811~1 i~;I'I-rBc~-I-r;;;;-t~.---,--- -j;;1 :-~~-;;;-!-----I~ll~-: &dml r&t;;-!-----~--
cRoom Counl .LlL.L3.. ~ ...iJ::::3-=r2.~~~--.-+2_:-ooii. ::::0"41 w: +2,000 .L~_-=-'TI::j-.:+2, 000
~ O,...lIvrn Are. l...'i.3.~_..!.qJ!._ .~..JJ6_..!0,!Ll.___tl..2 ,,~O.O .2..Z6_2_.~. ft,: +!l..100, .2..!lJ_~J~I!~L-.:!:3..~0j)"
: O",monl&flnlshld Portiol Bsmt Full Bsmt : '1,000 Full Bsmt : -1,000 Full Bsmt : '1,000
~ Room.OetowOred. Unfinished Unfinished i UnfinIshed : Unfinished :
3 Funcllonll U!!!LIL_ Ay-cr~&~---' ---~ ~AyJ;~t:~ie--- ---=-_~=--=== A~~J:~sg~-m - --~--=--=~_~ ft=i~~~g~=-.-1_==-_.-_~~
. H.."nglCooling GHA/CA __. .FJ!MG.1L...___i__.___ X!!!\LCl\. :.__,_ )!.t,J'ump/CA ;
~ Enlf EHlcllhlll,m. ~_!1,!!L-_ '!'yp.iJ:oJ_--'__.__..___ 'I'YP,i,~o.l _ TYPJ_~ll.L...........L__.__
A Garai!LC~rl 2 C~.r_G~_J.:E!&e.. .~_.G~.r_Gar8gQL_+___.______._ _2_~C!lX_C;Jl.!'.ag~L_ ___~____ .2___C.aJ"_Y.prJlgel_______
! Porch.Plllo.DlCk. Porch/Patio Stoop/Patio i Deck/Porch i '1.000 Deck/Porch i -1,000
1 f'''PIICI('I,I!::-_ LrJrepl!l.~.e_ _L!'Jn',pJa.ce__i_,_._.____... .LFJrc\>l!!,!;,e_L__.L~.J__".cpl.ac;,c._L__._
Fence, Pool, etc. None None : Nonc : None :
_. __ .~..-.,~_._--~--~- ~~-~-----t---_._--'- .-~_.~_. t
Nil Adill!!') '--'--'-'''''-'--- I~L. ITls_l--=ii,s'oo ITL;-~_[TIs'~-=j, 1Jl.o: liI':;:::::O=rs _: -.=3.~P~:
~I~~~g.~::~: Price _ i~.~:"'~_:':.l._ ~OB.,.~.oO_ i;~~_n:..;n~iJL_190..0Jl'O ~.:.~.:_U.~.JL.UO. 50.0_
Comments on Solin Comparison (Including the sublect property's compallbllUy 10 the neighborhood, elc.):W!1:J1__adjustmcnta.,L_a.~J_____________.._+..
.~9tIlP8~,obJe~._o-,,-e.8~~,ep,toble..for. .this.ono,lysJs, Range of .Voluc,_~s,_$19.o.000 ,to $210,,500............,_.___.__.
'.!:9)1l'paroJ>J,,e_j!."..~Ls.ch.e.d\!led..1'9.r,,~Josc..on..AuBust 19" ,1991", __". ,,__._. ,..""""._____u______
-+----_._---_._--~_...- ._,,, ._...~---_._+.._--_.._--_..
~:~!~:~~,[~:"~::: ':0, ~::;;:-:~~~::". ...i ~:"';:~::~;;:,'~ ~:":~:~~~,~~-~
Analysis 01 any turrent agreement 01 sate, opllon. or IIsllng ollne subJecl plOperly and analYSiS 01 any pllor sales 01 sublecl and comparables wIlhln one year 01 the date 01 appraisal:
!!lLcjl_r_LenL!!gLe_emgl\~_o.L~o.l_e. 9Pj:J9.LorJJstill&.of. subJect,,_____.. .---,.. ,--.-- -..--.--
~+-~-_.._-----_._._--~~----
INDICATED VALUE IVSAlII COMPARlION APPROACH .."...",,,...,....,...,,,,,,,,,,,.,,,,,..,,.,,,..,,,...,,",...,,"",.....,, S _.2Jl5,JlJJ.Q._..
INDICATED VALUE BY INCOME APPRDACH II /Ioplicablel Ulimated Markel Aent S No /Mo.. Gross Renl Multiplier N . S N
This appraisal Is made X 'as Is' subject 10 the repairs. alluaUons. Inspecllons or conlllllons !Isled below __J subleet to complellon per plans and specUlelllons.
C1hdlllons 01 Appraisal: 'r~ r<;1p,c r.~y....h!!.s..Jl.-".!'lL.ll pp ~-".is_e,d_~ll__<; \l.r.r-".n,L<;.OJl<l H,l9n.c, ".. S.c,e _O,1;j:.o.<;,I1-".d...lld"d_~nd um--'---__
-il'" R;concltlltlon: !=:oiunUla:~~~,,^~~YJlI~-=-cci~s:is~:elltly::suPPO:;::t=--~..:g::titI~-;'1:;;~-;;;.'Lk~ -voJ,u,e, QliH-----
= lm,o_lYJ!.ill W. s_f9U,Il_d__inapp, r.OprJo.t.-"__ f 9.< . t.lll,,:, ,ana, lyo 111.,.. ,G r, co ~.e.s ~.w.'tl.&h t..i ~ _' 0 PP. Ue,lLt_Uh.<",l1.o rl<,e_L__
& Jl..a.t.a_.Ana "l,YllJ,,-,_)1Y\>P9 r t in &"fJle __.1 nJ.<;1~-'l1ot ,i.01L sY b.~~a!lt.iaj:. e-",_ t b!!-".e .."l!.t_illlJl_~-""..,___ . n"_._ -- _._____,,___,
It The purpose 011111s appraisal Is to estimate th, market value 01 the feal propefty lhalls the subJecl ot this report, based on Ihe above condlllons and lhe certification, contingent
f and Umltlng condlllons. and market value delinlllon that ale staled In the allached Freddie Mac FOfm 439/Fannle Mae Form 10048 (Revised ~.L9J________).
I I (WEI EITlMATE THE MARKrT VALUE. AI OEflNED. OF THE REAL PROPERTY THAT II THE IUIJECT Of THII REPORT. AI OF August 10, 1994
~ (WIIICH II THE DATE OF 'NSPECTlON AND THE EFFECTIVE Dm Of THlI REPORT) TO IE I _lQ?".Q9..0___...,__, .,- . .~.---"-----.
~ :~;~~:~ER: H~'\\'L..._ )~_...\L :~~:~~:::Tr:A~IE:~?T~F:E~U\REOI:~~.L~ [XJDld DDldNOI
Naml . DIANE OJl,I, n _____h N,m,. STEVEN..W ,__B.toRRETI.SI\A ,SI\PII InspO<l P,oparty
Date Reporl Signed ^ur~UG t 10, 199/t Oale_Rep~fl Slon~d^ugUGt. 1_0 I 199'1.
Stale CII!lllcaliOn I RI..001579-r. Slille PA State ClIIlllcatlon/GA-00029S. L
Or State lIc.n!HI , Slale O,SIaleUcensel RR.026921-A
I 'rc~ . "'It I U'1I /06 III
l'AC,12ll12
5'ht"W 1\.l"c'illfllll'l"t (111}14] 6646
Sial' PA
Slale PA
1I"et,lleI0'''"lOO4169l)
Ilel!
FlloNo
9/..0711
ADDIT!9HAL COMPARABLEB_...
~~o,,~;i~~~~:--N'"an~Y' "_Rq;b ~.~ii~'~ .~ES' t 8 t c
l"i"'ty,Add,m ~1.Derbyshlre Drive
City Carlisle . County. 'cumberland
lond'" GoehrlnR, Rutter. Boehm Attvs,
. _._,I!~M." ....1-,. SUBJECt. , .COMPARABlENOI
27 Derbyshire Drive 56 Derbyshire Drive
!~'~_G.s.rHl!le,~,__",,_.___..__ .CarJ.Js.1.e.... ..... 'm, .__. _..____n .. '''..,.... nn._ H'_,,__. __._.".
!!~.~~IyJ~_s~~J~lL~_ ,__ M.!!!!-!.trg.gjt __,_u__,_u, .'_ _. _.... _....._.__..........]_____~_..., ..__._.~. _~ ._.._......._,_.___._._
.:;:;;,;i;~;Il",A;;;- }-...80~9~!'I/J's--88:02~/;[.30.:.~"}.,,9,,9-9,, s--~/Jr--- s . "f~1 '.' .... ".
___..'____n_. ..._._,......"". "..,___" ,m ... , ____ ,_...",,_.___, __. . __.__
Ollllnd/o, Inspection Courtbouse Records
"'y!!1I1C1UonSourE.'~__ _ ___ l\pPJ':aJ~~~~!l_J!~tJL __ _______~_____
VA~~E ADJUSTMENTS DESCRIPTION __ _..!>!~~~~r~o~_____._ ~U s_~~!,~_. __D.~~CRIPT~Q.L-..-tlJ.~!~'~1
SI'..olflno",'nl I Cl.Csta/Convi -5,238 i
Conem'o", DOH Unknown : :
0'1' O'SII'trlm, 8I1D/94{ . . "8794' "'---..- .r.........
location _Averaae AV~~~~B~===r=~.==--=.= __
lI'"holdIFlIS'mD" Fcc SimJ.>JJ!_,!'l'U.J.mPl.'!.__1_, __.__
511. __ Averqe . AY~!:@B~__~_._-!.______
VI.. Avera8~___ _AVIt~B~_.___l"___~_ t---
D"'gnandA,pcI' 2 Storv/GooQ..~t~.Yl!l_09_d,;_.,__,___t-.
ouail;;"con'IrUCl~n Average/Good AveraRe/Goo~i___
A-, I Yesr 2 Years :
Condition Good Good ------1 "
Abov. Grid' IDIII Be"', 811ft. total Be"', 8lI\~. :
r-~
RoomCounl 7:3 :3.5 7: 3 12,5 :
G,o.. UV'", A'" 2 533 SD, n, 2.204 So, n, :
Du,monl& flnl.hll Partial Bsmt Full Bsmt :
Room, BOIowGlld' Unfinished Unfinisb!'.~
functlOnOl Utllllv AverSRe AverJl1le
IIlItln-lCoolI", GHA/CA FHA/CA
Eno'.. EUlClonlll,m. I Tvoical Tvpical
GII'-'ICIIMIl 2 Car Garss!!, L.Csr Gsr~se:
Porch.PllIo.DICk Porch/Fatio Deck/Porch :
flll,II"', 'Ie, 1 Firel'lace 1 Fir,!p'!!!,<;e '
flnCl, POOl, .Ie. None None :
SIal.
PA
lfpCode
17013
COMPARABLE NO, 6
COMPA~A~lE NO, 6
DESCR'PllON
"""h'lI".~1
--
:
10'.1' Balli' 811ft, :
----r-----...-----t
+2,000 : : I
+9,900 sg.n. :
. 1 ,000
,..'
Ballll 811ll. I
" I .
, ,
S',ft, :
,
1
-1,000
N'lAdl.llOll1l
AdlustedSalu Prltt
"i"" IXI . I I, s
i"i ....... Gropp'9,9lr.j
I> "". ,.' Net' "2.4~1
Na
Courthae Rec
4.66211 1+ r l: s
Gross,<, 1II
198 662 N",t:' > ';'.J
II I. I I, S
G~os~.p;c.:\.{t..lII
Net::p:::"{-,.<.; ,'-;;'~
Oil', PrlCl Ind 0111
SourCt for prlorlllu
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SKETCH ADDENDUM
NANCV ROMBERGER I,STATE
Rh1re ILT"'lvt!
Cnrli sIn County C~m;;;bnr1Ilnd
Dn.ehrina. Ruttgr. Boell_- AttorneV8
BorrowerlCllent
Pro rt Address
City
Lender
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Zip Code 17013
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e 1980 Forml and Wotmllnc. 315 Whitney Ave" New H,..,on, CT 065" All Righ" Aeaerved '(BOO) 2.3.4545
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S, W. IIt\RIU':TI' ImAL ESTATE APPRAISAL SEIn'ICES
Borrower/Client
Property Address
Cny
Lender
NANCY H(l~IIIEI{(:EH ESTATE
27 1l~I'hv"hfn' Ilrlv~
C;llrllHle County Clll1llH~rllll1tl
(;oL'hrlmt. Hutter. "'Udllllt Attornevn
Stale I'A
Zip Code I 7111 J
AI'PRAISAL ADDENDUM SI'ECIAL CONDITIONS
lhe (olhl,",'in, l:ht'drd itcm. Ire ipc'nfic "'It'd,,1 nNlllllil"" Iha' "tit' hlrnllfit'J h)' 1111' ""pnill'l dunna: Iht' iU1ptl;III"ll'llr Iht' 'uh)C'(ll'lllI....n)'.lhr (I'I1I'.rat~t'
..lrl.
and thtir nrl"hl....whuUr.b Ilnd 1,\I,:llium, Unit''' nlhrf"ilt' 11Iltrt.l, Iht' ~uhlllilllU Ihalll'pl)'llllhc luhjrl' J1llll..rf)'lIf lht' ll.mparahl"'lnt'd UO NOT .U('{llht ma.hl
valur I'll' tht' future mar\rlahllil)' uf Iht' lul1jtl'll'nll'lt'1)' ttc'in(: '1'I"II\('d. 11.1' i. 11111, h"lIt' ilU'l('l'lilln "'n'il\'. 'Illl' il an IJ1I'I.iul hi rlUmllt m.rkrl \'.Iut'.
IJ I.)
[J 2.)
D 3.)
0 4,)
0 5.)
0 6.)
0 7.)
0 8.)
0 9.)
0 10.)
0 II.)
0 12,)
0 13.)
0 14,)
0 15.)
G3 16.)
0 17,)
0 18,)
0 19.)
0 20.)
0 21.)
0 22,)
0 23,)
0 24.)
0 25.)
0 26.)
0 27,)
0 28.)
fJ 29.)
[J 31l.)
[I 31.)
Ilalc
n,e suhjccll~ located ill u rumlurcnnud i~ less Ihau 2~% huilt UI', 1111~ wudilioll i~ Iypicllluud WUUIIOU for Ihe urennnd
DOES NOT nffccllhe markel vlduc lit f1uurc u",r1<elllhiIiIY of Ihe suhjcct.
Commerclnl/llldu~lrialuscs urc locmcd wilhlulhe suhjeds ueighhmhlKKI. Thcsc u~cs nre Iypicnlof similar IIcighhorhlXltl~
and DO NOT affecllhc markcl vnluc IIr fUlurc mar1<elllhilily IIf Ihe suhjecl pnlpeny.
Vacalll aud undeveloped luud u~es urc hx:nlcd wilhinlhe ~uhjecl's ucighlKIlIIlKKl. 11le",", u~e~ arc Iypienl for Ihc urCllnud
DO NOT affect the murket vnlue m fulure mnrkel:lhilily IIf Ihe suhjecl prnllCrty.
The pretlominaul value in the ueighhurhlKKl i~ les~ Ihaulhalllf Ihe mar1<cl value lIf Ihe suhjecl prnpcrty, nlis is tlue IlIlhe
very wide muge of value lIf pmpenles iUlhc alea alld supcrillt 4U:lli1y IIf Ihe suhjecl prnpcny. nlis cOllditioll DOES NOT
aITect the markel value lIf Ihe suhjecl or ils fUlure m:ukelahilily,
The ~uhject prupeny i~ locnled ill u F.E.M.A. Ideulified Aooo ZlIIIC. 11lis condiliou DOES NOT affectlhe markel value or
future markelahilily of Ihe subject wheu nlKKl illsumnce coverage i~ re4uired. FllKKllusurauce i~ sU8gestcd.
Dampnes~ i~ nOled inlhe hnsemeulof Ihe ~uhjecl. 11li~ condllioll i~ cousidered typical ill dwellillgs of this style and DOES
NOT affecl markel valuc lIr Ihe fUlure markelahilily of Ihe suhjcct, Slauding or ruuulug walcr was 1101 pre~ent ou basemenl
noor.
n,e suhjecl propeny is serviccd hy privale well
This tloes not affect market value m fulure markelahllilY,
The subjecl is older than five (S) years old. All mechanical syslem~ iucluding Ihe healing, electrical aud plumhing systems
appear upon a visual exlerior in~JlCCllnnto he iu working order, No warmlllies arc implied inlhis S1alemenl,
Repair items were noted inlhe commenls secllon of the repon, These comments on repair i1ems are for descripllve
purposes only and are nOI re4ulred repairs. The repair lIems 1i~letl are cosmelic innnture and DO NOT affeclthe markel
value or fulure marl<el:lhility of Ihe suhject property.
The basement noor is u dirt noor, Thl~ condillon i~ common :md Iypleal for the area and DOES NOT affectlhe markel
value or fUlure markelahility of Ihe ~uhject, The presence of a dirt noor DOES NOT pose a heahh or safely bn7.ard.
The subject propeny dlICS COnlain funcllonal ohsole~ceuce as nolcd in the report, 11lis coudillouis considered typical and
common for the area aud Ihis S1yle dwelling and DOES NOT affecllhe markel value or fUlure markelahility of the subjecl
property,
The land value exceed~ 30% of tOlal value due 10 the high demand for vacalllland in this nelghborhootl, This condition is
considered common and typical for Ihe ueighlxlrhootl aud DOES NOT affecllhe market value or fUlure marketability of
Ihe suhjecl,
The land value exceeds 30% of tOlal value. Thl~ is due 10 thc large ~ile of Ihe sile. This condition is considered 10 he
typical and common and DOES NOT affecllhe markel value or fUlure mmkelahility of Ihe suhject,
Individual adjuslmclll~ were re4uired Ihal exceed 15%. Thesc udjuslmclll~ wcrc re4uired due to lack of more similar
comparahles onlhal individual ratillg. Alllhree compamhle~ nre Ihe BEST AVAILABLE.
TOlal adjuslmenl~ exceed 25%. nlls i~ due to Ihe lack of cOlnpnruhle S:lle~ Ihal were more similar inlhe subject's markel
area. Aillhree comparnbles are Ihe BEST A V AILADLE.
One or more compamble sale~ nre older 11"," six (6) mOnlh~ old. Allhough Ihere arc comparahle prnllCrtles In the subject's
area, noue have sold recemly.lhcrefore, salc~ ill exce~~ of ~ix (6) mOnlh~ old have to be used. Alllhree comparables usc<l
wetC the BEST AVAILABLE.
One or more comparuhles used werc ill excess of lIue (I) mile from ~uhjcct propeny. Although Ihere are compamble
properties in the immediale area, none have sold recenlly. 11,ereflltC. il wa~ nece~smy 10 use compamhle sales oulside of
the immediale area. All compamhles used nrc hX:a1ed in similar ncighborlnxKls and within Ibe Sntne marl<eling area, All
Ihree compambles used werc Ihe BEST A V AILABLE.
TIle eleclrical system W~L" nol conllecled during inspecliun.
TIle water service W'l'i nul CUl1l1CClcll during i1lspcClioll.
n,e healing sy~lem was shul down during illSllCclilln.
Roofing Plumhin3 Eleclricnl
Ingrouud swimming ",XII . OUI huildings
leuder~ guldelincs.
According (0 lenders guidelines u maximum or
given no value,
nle suhject pmperty is locnled on a privnle road.
Wootllnfesl:lllon in~pection I~ sugge~lcd.
La~t recorded deed tmnsfer: Dale . Considerallon: S
ProJlOscd con~lruetion/renovalion in accordance III plan~ and specifiealioll~ 10 he eompleled in n workman,like manner.
Seller is paying part or all of closing cn~Ls, 11li~ DOES NOT uffL'Ctlhe market value nr fUlure markel:lbilily of Ihe subjecl.
All comparahle sules Ure verified closed ~nlc~.
11lere me uo special condilion~ or olher re4ulremellls Ihm would nffecl market vnlue or fulure markelahility in this Ap,
ptlllS:11 RelXlrI.
Olher:
and seplie
system~ which i~ common for Ihe area.
Ih~atillg
Included
ccrtil1c:lIion is suggcslcd.
.1\(11 includctl
according 10
acrcs wcre considered [or Ihis \'idumion. Remaining ncrcngc was
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Al'l'raisel
Ilcl'iew Appraiser
DEFINITION OF MARKET VALUE: Thu 010.1 probnb'o pricu whirh n proparly .hould bllng 10 a compllllllvo nnd
opon markol undor 011 conditions roqulsltu to D Inlr 5010. tho buyor nnd 5ullor, oneh octing prudently, hnowlodgoobly
nnd ollumlng tho prieD Is nol alloctad by unduD sUmulu&. Implicit in this dulinltlon 15 Iho conliummolion at 0 5010
01 01 0 spocillod doto nnd tho poning 01 (iUo hom 5uUor 10 buyar undor condlllans whofuby t t) buyar and 501l0r
oro typically motlvntod; (2) both pOllio! DrD wall inlormod or wall ndvl5od. ond onch octing in whot ho consldors hl&
own bOlt Inloroll; (3) 0 roosonoblo limo Is ollowod lor ollpo5uru In tho opon markor; (4) paymont i5 modo in lorms
01 co111 In U.S. dollars or in lorm. 01 finnnclol arrangements comparablo Ihoroto; nnd (5) lho puco luprOsO"I' Iho
normol conlldOlallon lor tho proporly sold unolloctod by spoclol or croollvo finoncing or solos concosslons' grontod
by anyono oSloclntod with Iho 1010.
'Adjullmontl to tho comparabloa mUlt bo modo lor spoclal or crontivo IInonclng or 1010& concoulons. No adjullmonts
ora noculSlory lor tholo COltl which ora normally paid by sollurs os 0 roault 01 trodllion or low In 0 markot oroo;
thOle costs oro roodity ldontifioblo alnco tho lollur pays thosu costs In virtually all &0101 Hanlacllon.. Spoclal or
crontlvD financing ndjustmonts can bo mado 10 tho compornblo propurly by comparisons to !inonclng torms otlorod
by a Ihlrd party Inslllullonal landor Ihal I. nol nlroady Involvad in Iho proporty or lranuclion, Any adjuslmont
should not bo colculatod on a mochonlcol dollar lor dollar cost of Iho Ilnnnclng or concoulans bul tho dollar
amount or any adJustmont should approklmato tho markol's rODe lion to tho flnanclng or concoSllans based on tho
apprnlsor'sludgmanl.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: Tha appral.ar's cor II Ii callan Ihat apponroln Iho appraisal ropo'l
Is sublacl to Iho lollowlng condillons:
1, Tha appral.ar will nol bo ,a.ponsiblo lor mallors 01 a lognl nnlura Ihnl ollacl allhar tho proporly baing appralsad
or tho IIl1a to II, Tha apprnlsar a..umas Ihal Iho tlllo I' good ond markalablo and, tharoloro. will not rondar any
opinions aboullha 11110. Tho proparty I. apprnlsad on Iha ba.ls 0111 bolng undor ro.pon.iblo ownalShlp,
2, Tho appralsor has provldod a skotch In tho appraisal roport to show approxlmato dimonslons altha Improvemonts
and Iho skalch Is Includod only 10 a..lst Iho roadar 01 Iha raporl In vl.ualizlng Iha proparly and undorotandlng Iho
appralsor's dotormlnation of Its slzo.
3, Tha appral.ar has a,amlnod Iho availablo 1I00d map. Ihat aro p,ovldod by Iho Fadaral Emorgoncy Manngamanl
Agoncy (or othor dnlo sourcos) and has nolod In Iho appraisal roport wholhor Iho .ub)oCI silo Is localad In an
Idon1lflod Spoclal Flood Hazard Aroa. BOC3USO tho appralsor Is not a survoyor, ho or sho makos no guarantoes,
o'pro.. or Impliod. ragarding this dalarmlnallon,
4. Tho appralsor will not glvo tosllmony or appoo' In court bocou.o ho or sho mado on approlsnl 01 Iho proporly In
quostlon, union specific arrangements to do 50 hovo boon modo bolorohand.
5. Tho appralsor has ostimatod tho valuo 01 tho land In tho cost approach at lis hlghost and bost uso and tho
Improvomonts at tholr contributory valuo. Tho suparalo valuations 01 the land and lmprovomonta must not bo
usod In conjunction wllh any olhor appraisal and aro Invalid If thoy aro so usod.
6. Tho appralsor has nolod In Iho appraisal roport any adverso conditions (5uch as, needod ropalrs, doproclatlon, the
prosonco 01 hazardous wastos, tOMlc substoncos, otc.) obsorvod during tho Inspoction 01 tho subjoct proporty or thai
ho or sho bocomo awaro 01 during tho normol rosoorch Involvod In porformlng tho appraisal. Union olhorwlso stated
In Iho nppralsal ropo'l. Iho apprnlsor has no knowlodgo 01 any hlddon or unnpparonl condillons 01 Iho proporly or
advorso onvlronmonlal conditions (Including lho prosonco of hazardous wostos, loxlc substancos, otc.) that would
mako tho proporty moro or loss valuablo, and has assumod lhot Ihoro oro no luch condillons and makos no
guarontaos or wa"anllos, o'pro.. or Impliod, rognrding Iho condillon 01 Iho proporty, Tho appralsar will nol bo
rosponslblo lor ony such condlllons thnl do o,l.t or lor any onglnoorlng or 10.lIng Ihal mlghl bo roqulrod to dlscovor
whothor such conditions oxist. Bocauso tho appralsor Is not on oxporl In tho !lold of onvironmontal hazardl, tho
approlsol roport must not bo cons Ida rod as an onvlronmontal oS&ossmont of tho proporty.
7. Tho appraiser obtalnad tho Informalion, ostlmatos, and opinions that worn oxprossod In tho appraisal roport Irom
sourcna Ihot ho or sho consldora to bo rollablo and boUovos Ihom to bo truo and corrocl. Tho appralsar doos nol
assumo rosponslbllity lor tho accuracy of such lloms that woro lurnlshod by othar parUol.
8, Tho appralsar will not discloso Iho contontl of tho apprainl roport oxcopt os provldod lor In tho Uniform
Slnndards 01 Prolo..lonol Apprnl.nl Prncllco.
9. Tho appralsor has based his or hor appraisal roport ond voluation conclusion lor on appraisal that is subJoct to
satisfactory completion. ropalrs, or allorations on tho assumption Ihal complotion of Iho ImprovomenlG will bo
porfarmod In a workmonliko mannor.
10. Tho opprnlsor must provldo his or hor prior w,llIon consonl boloro Iho londor/clionl spaclllnd In tho approls.1
raporl can dlslrlbulo Iho nppralsol roport (Including conclusion. nbaul Iho proporly vnluo. Iho approl.a,'s Idantlty
and profosslonal doslgnatian., and roloroncos 10 any profosslonal appraisal organlzallon. or tho firm with which tho
appralsor Is anociatod) to nnyono othor than tho borrowor; Iho mortgagoa or ils successora and assigns; tho mortgago
Insuror; consultants; profoulonal appraisal organizations; any stato or fodorally approvod financial Institution: or any
dopartmont, agoncy, or lnstrumontalily of tho Unltod Slatos or any stoto or lho District of Columbia; axcapt that
Iho londor/clionl may dlllrlbuto Iho proporty do&crlpllon soction 01 tho roport only to dala collection or roportlng
sorvlco(s) wllhout having to obtain Iho oppraisor's prior wrillon consont. Tho approlsor's writton consont and
approval must olso bo obi 01 nod boloro tho appraisal con bo convoyod by nnyono 10 tho public through advortlslng,
publiC rolotions, nOWI, SOIOI, or alhor madla.
frcddlS M.c form 439 6,93
P.go I 012
fannio Mae Form 10048 6.93
.
fil' N. 91,. 0711
APPRAISER'S CERTIFICATION: Tho App,olso, co,lilios ond og,oosthol'
I. I have rosDorchod tho subJuct markol ar08 Bnd havu solDelod 0 minimum 01 thrau roeonl 5010s of proportiol mosl
.Imilor and prO)c!malo to tho subjact proporty lor considorolion In tho snlol comporlson analysis nnd havo modo 0
dollar adjuatmonl whon approprlato to rufloel tho markot roaction to Ihoso lIoms 01 significant variation, If a
Ilgnlflcant 110m In a comparoblo plopony Is supurior la, or moro favorablo thon, tho subjact proporty. I hovo mado
a nogative adjustmont 10 rodueD tho adjustod salOl prieD 01 tho comparablo and, II B slgnlliconl 110m in 8 comparable
proporly il Inferior ro, Dr Iou favorablo than tho subjact proporly, I hovo modo a positive adjustmont to 10erool0 tho
adjuslod solos prlco ollho comparablo.
2. I have takon Into consldorallon tho lactor. that havo an lmpoct on voluo in my duvolopmont 01 Ihe ultimata of
market valua In Iho app,alsal ,eporl. I hevo nol knowingly wirhhold ony slgnlllconl Inlo,meUon from rho appraisal
report and I bollove. to Iho boa I 01 my knowlodgo. thai oil slalom on Is and InlormoUon In Iho opprolsal ropofl 0'0
tru8 and carroct.
3. I Itated In tho appraisal rap art only my own porsonol, unblalod, and proloaslonal analysis, opinions, and
conclualon., which aro subjoct only 10 Iho conlingonlend IImirlng condlUons spoelllod In Ihlslo,m,
4, I have no pro sent or pralpectlve interost In tho properly thai Is the subject to this report, and I have no presont
or prospective ponanal Intorolt or bios with respect to the participants In the transaction. I did not baso, ollhor
parI/ally or completely, my anal)'lls and/or tho esllmato 01 markot value In tho apprallol roport on the roce, color,
rollglon, sex, handicap, 'amlllal atatul, or national origin a' olthar tho praspecUvo ownerl or occupants 01 the subject
p,opofly or of Ihe p,asonl owne,s or occupenls olthe p,operliosln Iho ViCinity ollho subject proporly,
5. I have no prolsnt or contemplated IUluro Into rOIl In tho subjoct property, and neither my curront or future
employment nor my componsation lor performing this appraisal is contingont on the appraised value 01 Iho proporty.
6. I was not required to roport a predolermined value or dlraction In valuo that lavors the cause of tho client or
any related party, the amount 01 tho value estimato, tho attainment 01 a specific resull. or tho occurrence 01 a
lublequent event In order to recolvo my compensation and/or omploymont lor perlormlng tho appraisal. I did not
balo tho appraisal repon on 0 roquolted minimum valuation, a spocific valuation, or the need to approvo a spoclfic
morlgege loan.
7. I performad Ihl. appraisal In conlormlty with Iho Unllorm Srendords 01 Proloulonal Appralsol P,ocUco Ihal wora
adoplad and promulgoled by tho Appraisal Slanderds Boord 01 The Appraisal FoundaUon and Ihot wera In ploca BB
of Ihe alfectlva dole 01 'his appraisal. wllh Iho oxcepUon 01 Iho dopafluro provision 01 Ihose Slandards, which does
not apply. I acknowledgo that an oltimate of B r085onablo time lor oxposurs In the opon markot Is a condition In
the dollnlllon of markol value and tho estlmato I dovolopod Is conslllont with the marketing lime notod In tho
nolghborhood lecllon of this roport, unless I have Olhorwlso atated In tho roconcillatlon aoctlon.
0, I have personBlly Inspecled Iha Inlorlor and oXlerlor aroas 01 the sUbJocl properly and Iho eXlerlor 01 011 properliea
listed aa campara bIoI In tho appraisal report I 'urthor certify thai I hovo noted any apparent or known advorss
condillons In the subject Improvoments, on Iho subloct silo, or on an)' slto within tho Immodiate vicInity 01 the
subject properly of which I am awaro ond have modo odjuslmenlS for Iheso advorse condllions In my anBlysls of
the property valuo to tho oxtent that I had market ovidonce to support them. I havo also commontod about tho
arrecl oltha adverso condlUons on Ihe ma,kolBblllty oltho subjocl propo,ty.
9. I porsonally pro porod all conclusions and opinions about tho rool ostato thai woro lot 'orth in tho appraisal roport.
II I rolled on slgnlflconl proloulonol osslslBnCO from ony Indlvlduol or Indlvlduols In Iho porformonco 01 Iho
appraisal or tho proparallon of lho appralsol roport. I havo namod such Indivlduol(s) and dlsclosod tho spoclfic losks
porlormod by Ihom In Iho roconclllolion socUon 01 Ihls opp,olsol ropor!. I co,lily tho I any Indivlduol so nomod Is
quallllod to porlorm Iho losks, I havo not oUlhorlzod anyono to moko a chongo to ony 110m In Iho ,oport; Ihoroloro,
II on UnoUlhorlzod chongo Is modo 10 Iho oppraisal roport. I will roko no rosponslblllly for II,
SUPERVISORY APPRAISER'S CERTIFICA nON:II a suporvlsory approlsor slgnod Iho opprolsal 'oporl. hoor sho
cortUlos and agroos that: I diroctly suporvlso tho appraiser who proparod tho appraisal roport, havo roviowod tho appraisal
roport, agreo with tho statomonts and conclusions of tho approlsor, agroo to bo bound b;, tho appralsor's corllflcBtlona
numborod 4 through 7 abovo, and am toklng full rosponslblllly fo, Iho appraisal ond Iho opprolsol roporl.
ADDRESS OF PROPERTY APPRAISED: __~LD_"rb}'sbir!UlrJ'!!'
--~-_._--_._---
APPRAISER:
SUPERVISORY APPRAISE8(onlyllroqulrod):
-. I .//
5Ignature:.-c',-; '\:.._ vl/ O'--~ ff'
Nama: STEVEN W, BARRETT, SRA, SRPA
Dale 5lgned: ---Al!8\JsL.!O, 1994
51als CsrlilleaUon I: GA-000298-L
or51alSL1censaI: RB-026921'A
5Ial.: PA
Explrallon Oate 01 Canifiealion or L1een.s: _6.1].0 19 5
CXl Old 0 Old Nollnspeel Property
5lgnalurs: ';-'; '>'. ji.~
Name: DIANE GILL
Oat' 5lgned: ~8us.t.-1..CL-.!'l.9~_
5IaleCerllflc.alion/: RL-001579-L
or 51ale L1ean.e I:
5lals: PA
Explrall.n Oala 01 Corll!ieallon or Lleenss: JU)0/95
Freddie Mac Form 439 5.93
Page 2 01 2
Fannie Mae Form 10048 5,93
S'tH'W RI"f'IRu h"'e tll1)l4H646
~_t.j hraimffi~_~
MUNN'S DIAMOND GALLERY, LTD.
Leading In Diamond Styles
1203 Market Street
LEMOYNE, PENNSYLVANIA 17043
(717) 761,831G
TO WHOM IT M^ Y CONCERN:
This Is 10 ccrllly Ihot we arc engaged In Ihe lowelrl' huslness. appraising dlomonds, walches. Jewelry and
precious slon.s of 811 d.scrlpllons,
Wn IWtI!wilh mrlify tlllll WII lIavl! IlIls "ay c:al'llfully I!XlIIIIIIII!" II", fllllnwlllll IIslI!l11ll1l1 dl!sc:rlhl!l)
arlll:l!!s. 1111! prnpnrly ur:
NMtI,:
Estate of. Nancy W. Rumberger
Dalton L. Rumbcrger, 27 Derbyshire Drive. Carlisle, PA 17013
AI1I1RESS
\VI! milimnlo Iho vuhw liS lislml ror InslIrilm:o or ulllIlI' pllrpllSI!S lit 11m c:llrmnl rulllil vuluu. uxcludlng
Fmll!ral mul ulhl!r IUXI!S. In IIIl1kin~ Ihis Appraisnl. wn DO NOT ugW(! 10 (llIn:hIl5u or rnplncu Ihu
lIrllr.ll!s,
m~~<:RtPTI()N
APPRAtSF.l1 VAW.:
RECAPITULATION
ladies diaIrond engagement ring
Ladies dianDnd bridal set
350.00
1,450.00
Ladies diaIrond fashion ring
Ladies emerald & diannnd ring
Ladies gold & diarrond earrings
2,200.00
3,900.00
390.00
TOl'AL ESTATE VAWE
$ 8,290.00
TIll! flltl!lllllnll ^ppruislIlls nllllll! wltll I III! IIIl1h!rSllIlI"llIlllhalllll! ^pprlllsl!r lISSlIlIll!S IIl1l1ahilily willi
fllSP].' III1Y 1Il:1I1111 1IIIIIIIlllY IInlllklllllln Ilw IIl1sls IIf IlIls ^pl'rulslIl.
[(-'.In' t. 11ft"", / AUQUst 16. 1994
sl ell'::>n A. Muim AI'PRAISER IMn:
..~ -.~~~~.' ~~~~~~~1~~g{~i6~~~~'-~~"
,~~:w~&Yl~~11'~~~M~r~~t~~~K:~ ~
------ ----
~~;f~~. !\\~~0~~~B~g.'
~~~~.~(tSk~1
,~
/
,
MUNN'S DIAMON
Leading In OJ;
1203 Marl
LEMOYNE. PENN:
(717) 7E
TO WHOM IT MAY CONCERN:
This Is 10 cerllry Ih.t we are engaged In the jewelr}'
precious slones or .11 descrlpllons,
\Vt! Iwwwilh I:l!rlify Ihul WI! 11m.'.! lhis tiny 1:i1mh
nrlic:ll!s. tlw propl!rly lIf:
NAME
Estate of. Nancy _W. Runberger ______,__
Dalton L. Runberger, 27 Derbyshire Drive.
Carlisle, PA 17013
^llIl1lESS
-.----.-------------- ----..--.-.-------.
\\'IJ l!slilllillt! I1w \'i1hw liS lish!d 1'111' inSllrHIH:I! lII'lIllwr pUqIlISI!S illllw 1;lIrnml mlnil \'ullltJ. Hxdllding
Ft!dl!rall.lncl f1llwr lmws. In milking Ihis Appraisnl. WI! J)() NOT lIHwe 10 Jlurc:hu:w or rl!plac:n 11ll!
ilrlh:ll!s.
1lf~~r.RII"'IUN
LADIES DIAMJND ENGAGEMENT RING
API'RAtSW VALU.:
Rurrberger
Ole 14-karat, white gold, all-bright finish, engagerrent rin
set with one (1) najor round European cut diarrond and
four (4) round minor diarronds.
MAJOR S'roNE. Ole round European cut diannnd
Measurerrents: 4 .lmn by mn 2.5
Carat weight (by foImUla): 0.26 ct.
Clarity: VSI Color: G
MINOR DIAM::X<lDS: Fbur mund European cut diannnds
Weight, Clarity & Color. 0.07 cttw VSI G
'lUl'AL CARAT WEIGHT (by foonula). 0.33 cttw.
M:XJNrING. 14-karat white gold ring with one najor round
crown and four round prong set crowns.
Precious gem/rretal weight. 1.7 Pennyweights
Finger size. 5.50 Tapered from 4.0 to 1.5mn
ESTATE VALUE through our facility:
Gold value at $380.00. Weight & grade esti.m3ted as rrounting pennits.
$ 350.00
TIll! rllwglling Appraisal is II1IIlJl! with lilt! lIndl~rslillldillg Ihal till! ^J1pruiSI!f IISSlIlIWS nil linlJilily will.
wspm:'1 to nny lII:lillll Ihal lIIay IIf! lakpl1 lilt IIIf! hasis or this Appraisal.
/ 1 ,.
/, , I" ('
~//' {_It'!llt ,', fti.t_"-- August
.' Sheldon ^. Muon ^I'I'RAIS.:R
16. 1994
IIAn:
~;2: v;~~~~.... ~~~~~~~~~~~~~~~~~~~~~~~1vK~~". -
/ :iliQ.~~~~t<f:~,~M;{~ '~~~?3:~tW~ty. c1OO_ ~t(,~.
~~1~W~i
/".
/"... -
MUNN'S DIAMOf\
Leading In 0
1203 Mal
LEMOYNE. PENI'l
(717) 71
TO WHOM 1T MAY CONCERN:
This 15 10 certify Ihal we arc engaged In Ihe Icwelrl'\
precious slonel of ell descrlpllons. \
\Vu Iwwwilh cHrllf)' Ihal WI! hnvl! this day I:awfl
IIrllc:h!S. Ih.. prop"rly of: .
.
.'
NAME Estate of. Nancy W. Rurrbcr I
ADDRESS
Dalton L. Rurrbcrger, 27 Derbyshire Drive, Carlisle, _PA 17013
\Vl~ I!slimalt! thu \!uhw us Iitilml fur Insllrunl:1! or IItlwf pllrpllSI!H III tilt! l:lIfrtml mlnil vnltm. (!xduclll1J.:
"",t.:rnlllnd ollll!r IIIX"S, In milking Ihis Apprnisal. w.. IJO NOT agtl'" 10 pun:hlls" or tlIplllC:" IllI!
ilrliclt!s.
IW.5GRIPTION
LADIES DIAMJND FASHION RING
APPRAISEIl VALUE
Ru1tlerger
cne 14-karat, yellow gold, all-bright finish, fashion ring,
set with one (1 I major round European cut diarrDnd and
four (4 I round minor diam::lnds.
MAJOR STONE. Q'le round European cut diarrDnd
Measurenents. 5.Bmn by mn 3.5
Carat weight (by fonnulal. 0.75 ct.
Clarity. SI Color. J
MIOOR DIAM:JIIDS. Fbur round European cut diarrDnds
Weight, Clarity & Color. 0.60 cttw SI G-H
SIDE OIAM:JllDS. Fbur round European cut diaronds
Weight, Clarity & Color: 0.16 cttw SI G-H
'rol'AL CARAT WEIGm' (by forrrula I : 1. 51 cttw.
M:XJNl'ING. 14-karat yellow gold ring with one najor round
d:l.arrond in a square illusion crown and four round
prong set crowns.
precious gem/lretal weight. 4.3 Pennyweights
Finger size: 7 Tapered fran 9.0 to 8.Onm
ESTATE VALUE through our facility.
$ 2,200.00
Gold value at 380.00. Wei t & aOO estimated as 'nuuntin ta.
TIll! fowgoillH AppraislIl is 1I111111! wilh lilt! t111t1t!fstllllllil1J..: lhaltlll! ApJlrnlstlf ns..'iIlI1I1lS no linbilil)' wilh
rt!s(ll!I:lllI lln}' 1Il:1i1l11 lhal 11111)' Ill! 11lklHl1111 I)W hilsis fir Ihls Appraisal.
/, ~ I
,Ii {I~ ,'" (, !I(t..v- August 16, 1994
Sheldon A. Munn AI'I'RAISER IIAn:
,,~(/,:~.~~~~~~. . . ~~~~~11~~{~~lit1~~~~~.~Vl.1'~ "
I ;.I{v~~~~1>~~~~:_~~~~'K:~- :'1~tt
, ,
~~'1\~1~'f~~~~Rl~
~~4..~j.~'K' r~~1
Gold value at 380.00. Wei t & ade estimated as RDUntin ts.
'1'1", fllm~lIlng Appraisal is madll wilh II", lIl\d"rslll\IIIIl\~ Ihillllll! ^ppcuis"r aSSllllll!s nlllinbilily wilh
fllspm:lln flny m:fion .hlllmll)' Ill! Inkm1 on IIIf! IIiISis flf 'his Appraisal.
~, I I
/ i/CLf,,";'H A. /(tc..,LL
I ~. t~~~;"""" ,~,,~"
~~~~;iI!<~..
""
MUNN'S DJAMOJ
leading In [
1203 Ma
lEMOYNE, PENf
(717) ,
TO WHOM IT MAY CONCERN:
This is 10 eerUfy Ihol We ore engaged In the 'ell'elr)
precious stone. of 811 deser/pUons,
\\'C! Iwrtl\\'i1h (;ertify Ihul Wt! hU\'H this dllr f:umfl,
arlh:It!s. 11ll! propnrly ,,(:
N"~tE
Estate oKL.Nam:yjl. ~;
Dalton~Rurrberger, 27 Derbyshire Drive, Carlisle, PA 17013
AIJIJHESS
W" "slirnal" Ih" ,'alll!! as lish:d fllr insllnlll"" IIr III1",r I'lIrplls"s IIllh" ""rr"nl mlnil vilh",. "."llIding
F"d!!ral and III h." lax"s, In makln~ Ihls ApI'raisill. w" /JO NOT agr!!" III I'lIrchas!! IIr tIlplac" II",
i1rlidl!s.
rmSCHtl'T/ON
LADIES EMERALD & DIJIt.nID RING
APPHA/SED VALUE
RI.rtDerger
<XIe 14-karat, yellCM gold, all-bright finish, ring,
set with one (1) errerald cut EMERALD and fifty-three (53)
round minor diamonds.
MAJOR S'roNE. Eherald cut EMERALD
Measurements. 9.Onrn by 6.8nm by 3.7nm
Carat weight (by fornula): 3.00 ct.
Hue. Green '!bne: Meclil.lTl
Clarity. M:xIerately Included
Brilliancy. Good Finish: Very good
MIooR DIJ\M::M)S. Fifty-three (53) round ideal cut
diarronds
Weight, Clarity & Color. 0.80 cttw 51 G-H
'lUI'AL CARAT WEIGIT (by formula). 3.80 cttw.
MX1NrING. 14-karat yellCM gold tiered ring rrounting with
one major etrera1d cut EMERALD with fifty-three minor
round prong-set side dianonds.
Precious gem/lOOtal ~ight: 2.5 Pennyweights
Finger size. 5.50 Tapered from 16.7 to 1.6mn
ESTATE VALUE through our facility:
$ 3,900.00
AuQUs t
16, 1994
!IAn:
tjuElUUNtl Ntn.IE"" IIlJlJIM MJW M.M eM n, IIN} 1I.\twll II., ~~II
[ill rnUj~~@&)lli
f0tJt1UWtJwtAl~
NANCY W. RUMBERGER
REVOCABLE DEED OF TlmST
This Revocable Deed of Trust is made this
'1'
/.'j '!.J., day of
November, 1992.
NANCY W. RUMBERGER, of County of Cumberland, Commonwealth
of Pennsylvania, as the settlor, and DALTON L. RUMBERGER, as the
individual Trustee, and MELLON BANK, N.A" a national banking
association authorized to engage in trust business in the Common-
wealth of Pennsylvania, as the Corporate Trustee, hereby agree as
follows:
ONE: The Settlor hereby transfers and delivers to the
Trustees the property listed in Schedule "A" attached hereto I
together with all her interest therein. The Trustees shall hold
said property, together with any additions thereto as hereinafter
provided, as a Trust Estate, shall invest and reinvest the same and
shall distribute the net income (hereinafter called "Income") and
principal as set forth in the following provisions.
(A) During the Settlor' s lifetime, the Trustees
shall pay to her or for her benefit such sums from Income and
principal as she may direct in writing; PROVIDED, however I that in
the event of the Settlor's mental or physical incapacity I as
certified to the corporate Trustee by her personal physician, the
Corporate Trustee shall expend both Income and principal to such
extent and in such manner as it in its discretion deems advisable
lIul'.llHINlI MlIrll'M" lIt1HIM HJW M H ,.",tI 1'1'11 J \h..m lI.t I'll'"
for the welfare and comfortablo DUPPOl't 01 tho !lottlor during such
period of incapacity.
(D) Upon tho Sottlor'D doath, the Trustees are au-
thorized to pay to the personal roprosentativo of her estate or to
expend directly such sums oa said poroonol representative shall
request in writing to Dupplement her eDtate in ordor to pay debts,
funeral expenses, death taxeD I particular legacies and adminis-
tration expenses; PROVIDED, however, that no assets shall be used
for this purpose which are not otherwiDe included in the Settlor's
gross taxable estate; and PROVIDED, further, that if the Trust
Estate contains any United stateD government bonds which are
redeemable at par in payment of Foderal eatote taxes, the Trustees
shall apply them directly in payment of the Settlor's said taxes,
regardless of the sufr iciency of assets in her estate or any
direction in her will to pay all ouch taxes from her probate
estate. subject to such payment, the principal remaining at the
Settlor' s death and any accrued or undistributed Income shall
continue in trust os providod in Article Two below.
'I'WO: If tho sottlor's husband, DALTON L. RUMBERGER I
survives the Settlor, the TruDteea ahall divide the remaining Trust
Estate into two (2) separate parts, designated Fund A and Fund B.
If the Sottlor/a husband predoceasea her, the Trustees shall hold
all the Trust Estate as Fund n. The Trustees shall distribute the
net income (heroinofter callod "Income") and principal of said
Funds in accordance with Articles THREE and FOUR below. The
division into Fund A and Fund U shall be made as follows:
- 2 -
1IC11't1"INtl"1I n 1".\ IInl.llM IIIW :"ll" 0.1 ,II. I'N.' ~ "1,1111 H... "MII
(A) Fund A shall consist of a fractional share of
the Trust Estate as defined in paragraph (6) below. The numerator
of the fraction shall be the minimum amount necessary to reduce the
Settlor's Federal estate tax (exclusive of any tax imposed under
section 4980A(d) of the Internal Revenue Code) to zero after the
use of the unified credit and any other credits available to her
estate (exclusive of any credits the use of which would increase
her total death taxes). The denominator of such fraction shall be
the value of the Trust Estate as finally determined for Federal
estate tax purposes prior to the payment of death taxes therefrom.
Fund B shall consist of the other fractional share. Any death
taxes payable from the Trust Estate shall be charged against Fund
B, as well as any administration expenses which are not allowed as
estate tax deductions. This fraction shall be computed as if all
qualified terminable interests were elected as part of the marital
deduction on the Settlor's Federal estate tax return, regardless of
the election actually filed.
(B) For the purpose of this division, the Trust
Estate shall include any insurance proceeds or other items paid
directly to the Trustees and forming part of the Settlor's taxable
estate for Federal estate tax purposes. Any items paid directly to
the Trustees and not forming part of the Settlor's taxable estate
shall be added to Fund B, in addition to the fractional share
hereinabove specified, and shall not be used for the payment of
death taxes or administration expenses.
(C) The Trustges need not make a pro rata division
of each asset, but may allocate different kinds of or interests in
property to each fund, so long as the total market value of each is
- 3 -
liOUIItINllltllrll:1t ^ HulllM IU\\ 'lit IId.'1 1,,.,.1 . 'h~'lI II" "11,,1
not affected. 'I'hero shnll not bo allocated to Fund A any property
or the proceeds of any property which does not qualify for the
marital deduction.
(0) I f any portion of the Settlor's Individual
Retirement Account bone fits or qualified employee plan benef its are
used to fund Fund A, tho Settlor's husband shall have the power to
diroct the 'I'ruoteeo to exercise their right to withdraw any part or
all of tho ordinnry incomo oarned on the benefits during any year,
in which CIIOO the nmount so withdrawn shall be allocated to Income.
All other pnymonts of such benefits received by the Trustees shall
be IIllocated to principal. If the Trustees do not have the right
to withdraw any part or all of the ordinary income earned on the
benofits during a particular year, then the Settlor's husband shall
have tho power to roquire the Trustees to payout of any other
assoto of Fund A an amount equal to such ordinary income.
(E) If the Settlor and her husband die under such
circumstancos that there is no sufficient evidence that they have
died otherwise than simultaneously, it shall be conclusively
prosumod for tho purpose of this Article that the Settlor's husband
survivod hor.
THREE:
this Article.
Fund A shall be held in the manner set forth in
(A) Fund A shall be divided into two separate
Parts, and each Part shall be held as a separate trust. Part One
shall be a portion equal to so much of the Settlor's remaining
exemption from generation-skipping transfer tax as cannot be
allocated to Fund B. Part Two shall be the other portion.
- 4 -
t;oHUUNtI HUn!H.~ IIIIH'M HJW !\I H 0.1 JI. I'I'II )0 \t..tlll II... ",m1
(1) During the lifetime of the Settlor's
husband, DALTON L. RUMBERGER, the 'rrustees sha 11 pay the Income
from both Parts to him or for his benefit, in quarter-annual or
more frequent installments. In addition, the Trustees shall pay to
or for the benefit of the Settlor's husband from the principal of
Part Two or, if it has been exhausted, from the principal of Part
One, an amount equal to the Income of Fund B. The Corporate
Trustee may expend in addition such sums from the principal of Part
Two or, if it has been exhausted I from the principal of Part One,
as the Corporate Trustee considers advisable for his support and
maintenance. If any unproductive assets are held in either Part,
the Settlor's husband may require that they be converted into
income-producing assets within a reasonable period of time.
(2) Upon the death of the Settlor's husband,
any Income accrued or on hand shall be paid to his estate, and the
Trustees shall pay to his personal representative or directly to
the taxing authorities from the principal of Part Two and, to the
extent it is insufficient, from the principal of Part One, such
amount, if any, as his personal representative certifies to be the
additional death taxes reSUlting from the inclusion of Fund A in
his estate for tax purposes. The rest of both trusts shall be dis-
tributed outright to or on further trust for such one or more of
the Settlor's descendants as the Settlor's husband directs by
specific reference to this provision in his Will. Any unappointed
portion shall be added to Fund B.
(B) The right of the Settlor's husband
Income shall not be subject to assignment, alienation,
attachment or claims of creditors.
- 5 -
to the
pledge,
,iOIJUUNllHlInIH...IIIlIIlM HJW ~11t 11.1.'114'" lo\!'.illl 1l..l1'il'"
(C) If the Settlor's husband disclaims his interest
in any portion of Fund A, such portion shall be added to Fund B,
and the Settlor's husband shall have all the rights therein
hereinafter set forth with the exception of any power of appoint-
ment. If the Settlor's husband dies before accepting any benefits,
his personal representative shall have the right to disclaim his
interest in all or a portion of Fund A.
FOUR:
this Article.
Fund B shall be held in the manner set forth in
(A) The Trustees shall invest and reinvest Fund B
and shall distribute the Income and principal as follows:
(1) During the lifetime of the Settlor's
husband, DALTON L. RUMBERGER, if he survives the Settlor, so long
as Fund A has not been exhausted, the Trustees shall accumulate the
Income and add it to principal and invest it as such. If Fund A
should become exhausted during the lifetime of the Settlor's
husband, the Trustees shall pay the Income of Fund B in quarter-
annual or other convenient installments to or for the benefit of
the Settlor's husband, and the corporate Trustee may also expend
such sums from principal as the Corpora~e Trustee considers
advisable to provide for the support and maintenance of the
Settlor's husband I in view of other readily available funds of
which the corporate Trustee has knowledge. upon the death of the
settlor's husband, the principal shall be distributed outright to
or on further trust for such one or more of the settlor's descen-
dants as he directs by specific reference to Fund B in his will.
- 6 -
lioHUUNIiHlIl'Il.Il.IIl 11111 11M lllW !'II Mil.! }II'I"} ... \h4111 U.. ..,wI
(2) If the Settlor's husband, DALTON L.
RUMBERGER, is not living at the Settlor's death or in the event he
dies thereafter without exercising his power of appointment in
full, the unappointed principal of Fund B and any additions from
Fund A, the Settlor's husband's estate or elsewhere shall be
divided into four (4) equal shares for the Settlor's children, SUE
R. FOSTER, JEFFREY S. RUMBERGER, JANE R. LONG and AMY R. PALMA I and
each share shall be held as a separate trust or, in the case of a
deceased child, shall be distributed as is hereinafter set forth.
Each share may be satisfied with assets which are exempt from
federal generation-skipping transfer tax or with non-exempt assets
or partially with each, so long as the market value remains the
same. The share of each living child shall be held as a separate
trust; PROVIDED, however I that unless said share is totally exempt
from federal generation-skipping transfer tax, it shall be divided
into two separate trusts, an Exempt Trust having an inclusion ratio
for the purposes of said tax of zero, and a Non-Exempt Trust having
an inclusion ratio of one. By written notice to the Corporate
Trustee, each of the Settlor's children shall have the right to
become a Co-Trustee with the corporate Trustee of his or her own
trust.
(a) The Trustees shall pay the Income
quarter-annually to or for the benefit of the Settlor's said child
and may expend in addition such sums from principal as the
corporate Trustee considers advisable, in view of other readily
available funds of which the corporate Trustee has knowledge, to
provide for the support and maintenance of the Settlor's said child
and his or her spouse and children, if any, including educational
- 7 -
lillUUUNlI Hili'll H.\ 11111 11M IUW .'tIlt 1I.1!1 I'N! ~ \tl~1l1 II,~ ....."
and funeral expenses.
In addition, the Settlor's said child may
withdraw portions of the principal of his or her Non-Exempt Trust
in accordance with the following schedule:
(i) After his or her thirtieth
(30th) birthday I one-third (1/3) of the principal;
(ii) After his or her thirtY-fifth
(35th) birthday, one-half (1/2) of the principal
not already subject to withdrawal;
(iii)
After his or her fortieth
(40th) birthday, any or all of the principal.
If the Settlor's said child has both an Exempt Trust and a Non-
Exempt Trust, all Income and principal distributions for his or her
.'
.-
",}'
benefit shall be made from the Non-Exempt Trust. Income from the \' v
, ",-
Exempt Trust shall be added to the principal thereof and invested ~.
)1..-' ,l
as such, and an equivalent amount of the principal of the Non- JJ'''/
JH J.
Exempt Trust shall be distributed. If the Non-Exempt Trust should )frP
become exhausted during the lifetime of the Settlor's said child,
Income distributions and discretionary principal distribution, if
any, shall be made from the Exempt Trust.
(b) Upon the death of the Settlor's said
child, or upon the division into shares under this subparagraph (2)
in the case of a child who is not then living, the principal of the
Settlor's said child's share shall be distributed outright to or on
further trust for such one or more of his or her descendants as the
Settlor's said child directs by specific reference to this
provision in his or her Will; PROVIDED, however, that the Settlor's
said child may also appoint the principal of the Non-Exempt Trust
and any portion of either trust that he or she could have withdrawn
- 8 -
lloLlIIUNlI Hllnn~., 11I1I'llM lUW !'\lH .hl }1. I'N} )l. \tum II... l"iI,lI
before death in favor of anyone, Any unappointed portion shall be
paid to the settlor's said child's surviving issue, per stirpes,
subject to subparagraph (3) below, or, if he or she has none, shall
be added to the shares of the Settlor's other children and shall be
held or distributed as if the latter shares were being set apart at
that time. Each share for a grandchild of the settlor may be
satisfied with assets which are exempt from generation-skipping
transfer tax or with non-exempt assets or partially with each, so
long as the market value remains the same.
(3) The share of any grandchild of the Settlor
shall be held or distributed as follows:
(a) Unless the share is totally exempt
from federal generation-skipping transfer tax, it shall be divided
into two separate trusts, an Exempt Trust having an inclusion ratio
for the purposes of said tax of zero, and a Non-Exempt Trust having
an inclusion ratio of one. During the lifetime of each grandchild,
the Trustee shall pay the Income from his or her trust quarter-
annually to or for the benefit of the Settlor's said grandchild I
and if the corporate Trustee considers the Income to be insuffi-
cient, in view of other readily available funds of which it has
knowledge, to provide for the support and maintenance of the
settlor's said grandchild and his or her family, including
educational and funeral expenses, the corporate Trustee is
authorized in its discretion to provide such sums from principal as
it deems advisable therefor; PROVIDED, however I that prior to said
grandChild'S twenty-first (21st) birthday, the Trustee may add to
principal and invest as such any Income which it considers not to
be needed for such purposes. In addition, the Settlor's said
- 9 -
li'III1HINllllllnllt.\IIIJ1ItM IUW :0.111 11.1.'1.1'1'4! \'h.llllll,. """"
grandchild may withdraw portions of tho principal of his or her
Non-Exempt Trust in accordance with the fOllowing schedule:
(i) After his or her thirtieth
(30th) birthday, one-third (1/3) of the principal;
(il) After his or her thirty-fifth
(35th) birthday, one-half (1/2) of the principal not
already subject to withdrawal;
(iil) After his or her fortieth
(40th) birthday, any or all of the principal.
If the Settlor's said grandchild has both an Exempt and a Non-
Exempt Trust, all Income and principal distributions for his or her
benefit shall be made from the Non-Exempt Trust; in particular I
Income shall be computed on the basis of both trusts, but shall be
taken from the Non-Exempt Trust. Income from the Exempt Trust
shall be added to the principal thereof and invested as such. If
the Non-Exempt Trust should become exhausted during the lifetime of
the Settlor's said grandchild, Income distributions and discretion-
ary principal distributions, if any, shall be made from the Exempt
Trust.
(b) Upon the death of each grandchlld, if
his or her trust has not already terminated, or upon the division
into shares under subparagraph (2) (b) above in the case of a
grandchild who is not then living, the principal of said grand-
child's share shall be distributed outright to or on further trust
for such one or more of the Settlor's descendants as the Settlor's
said grandchild directs by specific refLrence to this provision in
his or her Will; PROVIDED, however, that the Settlor's said
grandchild may also appoint the principal of the Non-Exempt Trust
- 10 -
I iolJl1UNI I HllrIIN.\ lull 11M lOW ~11t 0,1 ,'I 1'I'i.' .. "1~1II II.. ",,,ll
and any portion of either trust that he or she could have withdrawn
before death in favor ot anyone. Any unappointed portion shall be
paid, per stir.pes, to his or her then-living issue; and if he or
she has none, to the then-living issue of his or her parent who was
the Settlor's child, the share of any grandchild of the Settlor to
be added to his or her separate trust hereunder if it is still in
existence.
(c) If any of the Settlor's childrer has
no issue living at the death of the survivor of the Settlor's said
child, his or her children, if any, the Settlor's husband and the
Settlor, any remaining unappointed portion of the Settlor's said
child's share shall be added equally to the share of the Settlor's
other children and shall be held or distributed as if the latter
shares were being set apart at that time.
(J) If the Settlor has no issue living at the
death of the survivor of the settlor's husband, the Settlor's
children, and grandchildren and the Settlor, any remaining
unappointed principal shall be transferred and delivered to those
persons who would have been entitled thereto if the Settlor and her
husband had each owned one-half (1/2) thereof and had both died at
that time intestate, unmarried and domiciled in Pennsylvania.
(4) Anything in this Deed of Trust to the
contrary notwithstanding, no trust created hereunder shall continue
beyond twenty-one (21) years after the death of the last to die of
those beneficiaries who were living on the date of the execution
hereof; and upon the expiration of such period all trusts shall
terminate and the assets thereof shall be distributed outright to
- 11 -
1I111.11HINII Hlla-II.H.\ IIIII,IIM HJ\\' M H 0.1 1f. 1'4'I} "'h.jlll If... 1I'1l.'"
those parties (and in the same proportions) as arc then receiving
the income therefrom.
(5) For the purposes of this Deed of Trust,
adopted children shall be considered the natural children of the
adopting parents, regardless of the date of adoption; and the term
"minor" shall mean any person who has not reached the age of
twenty-one (21) years.
FIVE: (A) If any remainderman under the foregoing pro-
visions is a minor and is entitled to a share in excess of the
amount which may be paid to his or her natural guardian I such share
shall vest in said remainderman but shall be retained by the
corporate Trustee in a separate trust until the twenty-first (21st)
birthday of said remainderman, at which time the trust shall
terminate and the principal shall be transferred and delivered to
him or her free of trust. During such minority period, the Trustee
may pay to the person having custody of said remainderman I without
liability on the part of the Trustee to see to the application
thereof, or may expend directly so much of the Income and principal
as it deems advisable for the welfare, comfortable support and
education of said remainderman and shall add any excess Income to
principal and invest it as such. In the event of the death of said
remainderman during minority I the Trustee is authorized in its
discretion to pay part or all of the funeral expenses, and the
remaining principal shall be transferred and delivered to said
remainderman's estate.
(B) Income allocated to a minor may be expended for
his or her benefit or may be paid to his or her natural guardian,
- 12 -
liOIIUHNlI~1I111 H.\ 11111 11M HI\\' ..I H ,1.1.'1.1"'1,1 .. \"~1l1 II.. "'11'1'
to the guard inn of his or her person or estate or to a Custodian
for him or her under an appropriate Uniform Gifts or Transfers to
Minors Act, without liability on the part of the Trustees to see to
the application thereof. The Trustees may also deposit amounts in
an interest-bearing account in the minor's name in any Corporate
Trustee's banking department or elsewhere and may pay a reasonable
allowance to the minor.
(C) If the Corporate Trustee considers the principal
of any trust other than any trust established for the benefit of
the Settlor's husband to be insufficient to warrant establishing or
continuing the trust, the Corporate Trustee may pay the principal
to the Income beneficiary or, if he or she is under the age of
twenty-one (21) years, to a Custodian for him or her under an
appropriate Uniform Gifts or Transfers to Minors Act, to be
selected by the Trustee. The receipts and releases of the
distributees will terminate absolutely the rights of all persons
who might otherwise have a future interest in the trust, whether
vested or contingent, without notice to them and without the
necessity of filing an account to the Court.
(D) Upon the death of any Income beneficiary I any
Income accrued or received by the Trustees subsequent to the last
Income payment date shall be paid to the person or persons for
whose benefit the principal producing such Income is continued in
trust or to whom such principal is distributed under the terms
hereof.
IE)
the distributing
corporate distributions received in shares of
corporation shall be allocated to principal,
- 13 -
tUII'.lUUNllltl1fll.,.\ InllJIM IUW ~IH (),Il/. I~! ""I.UII 11<11. ..tiN!
regardless of the number of shares and however described or
designated by the distributing corporation.
(F) The interest of any beneficiary hereunder,
including a remainderman, in Income or principal, shall not be
subject to assignment, alienation, pledge, attachment or claims of
creditors until after payment has actually been made by the
Trustees as hereinbefore provided.
SIX: (A) The Trustees hereunder shall have the
following powers, in addition to and not in limitation of those
granted by law: to accept and to retain assets in kind from the
Settlor, her estate or elsewhere, to purchase assets from the
estate and to retain such assets in kind; to sell assets and to
invest and reinvest the proceeds and any other cash in any kind of
property, real or personal, or part interest therein I located in
the United States or abroad, inclUding interest-bearing accounts in
or certificates issued by the banking department of the corporate
Trustee and securities underwritten by syndicates of which the
corporate Trustee is a member but not purchased from the corporate
Trustee, all statutory and other limitations as to the investment
of funds, now or hereafter enacted or in force, being waived; to
retain or to purchase policies of life insurance, to pay premiums
thereon from income or principal and to exercise all rights of
ownership thereover; to pledge I exchange or mortgage real or
personal property and to lease the same for terms exceeding five
(5) years; to give options for sales, leases and exchanges; to
borrow money; to compromise claims; to vote shares of corporate
stock, in person or by proxy, in favor of or against management
- 14 -
11lIUININIIMllnIH.\ IlIll,IIM HJW !'lIlt 11.1!1.11J'1} "~h~m II.... I'Mll
proposals; to carry securities in the name of a nominee, including
that of a clearing corporation or depository, or in book entry form
or unregistered or in such other form as will pass by delivery; to
make division or distribution hereunder either in cash or in kind;
and, in connection therewith, to allocate to different shares
different kinds of or interests in property and property having
different bases for Federal income tax purposes, all as the
corporate Trustee deems equitable. The Trustees are specifically
authorized to accept in kind and to retain any shares of MELLON
BANK CORPORATION stock, with no duty to review the same for
investment purposes, but shall vote such shares only as directed by
a competent adult Income beneficiary of the trust in which said
shares are held. The Trustees shall have no liability for any
mistake or error of judgment made in good faith.
(B) (1) The Trustees are authorized to divide
(whether before or after a trust is funded and whether before or
after any allocation of a generation-skipping transfer tax (GST)
exemption under section 2631 of the Internal Revenue Code of 1986,
as amended (the "Code") is made) any trust or any property which is
used to fund or augment any trust under this Deed of Trust, into
two or more fractional shares, Said shares shall be held and
administered by the Trustees as separate trusts with identical
terms although the Trustees, in their sole and absolute discretion,
may manage and invest separate trusts as one. Some of the purposes
for granting that authority are to enable the Trustees to provide
an inclusion ratio (within the meaning of Section 2642(a) (1) of the
Code) of zero for the separate trust receiving the fractional share
to which the allocation is made, and if that trust is a trust
- 15 -
noHllUNti wnrl I.~.\ lIunlM lUW 'I it Ud H. I'N! It "1...1Il 11,.. ".",1/
described in section 2652(a) (3) of the Code, to enable the
Settlor's Executor to make the election described in that section
with respect to it as a separate trust,
(2) If the Settlor's Executor makes the so-
called QTIP election under section 2056(b)(7) of the Code over a
portion (but less than all) of any property passing to a trust
hereunder, the Trustees are authorized to divide such property into
two fractional shares equal respectively to the portion as to which
the election was made and the portion as to which it was not made,
in the manner prescribed by proposed Reg. S20.2056(b)-7(b) or any
successor regulation. said shares shall be held and administered
by the Trustees as separate trusts with identical terms, so that
one of said trusts is entirely subject to said election and the
other is not subject to it. One of the purposes in authorizing
such division is to enable the separate allocation of GST exemption
to one or both of said trusts.
(3) Whenever two trusts hereunder are directed
to be combined into a single trust (for example, because property
of one trust is to be added to the other trust), whether or not the
trusts have different inclusion ratios with respect to any common
transferor or have different transferors for generation-skipping
tax purposes I the Trustees are authorized I instead of combining
said trusts, to administer them as two separate trusts with
identical terms in accordance with the provisions that would have
governed the combined trusts. If anyone adds or is deemed to add
property to a trust hereunder by gift or bequest, the Trustees are
authorized to hold the added property as a separate trust with
terms identical to the trust to which it would have been added.
- 16 -
<KU:JUUNII KlnoWK a HOHHM klW 51.M NI'" J. tIN] 1t11rm I)..e rltNl
(4) The Trustees are authorized to combine any
two or more trusts with identical terms for an identical beneficia-
ry or beneficiaries created by the Settlor or her husband as a
single trust. The Trustees are also authorized later to divide
such trust as provided above in this article. Without in any way
limiting the sole and absolute authority of the Trustees granted by
this paragraph, the Settlor envisions that the Trustees will not
elect to combine two or more trusts with different inclusion ratios
for generation-skipping transfer tax purposes.
(C) As between the Trustees, the corporate Trustee
shall perform all ministerial and administrative duties, including
the keeping of books and records, acting as custodian of the trust
property and preparing all necessary tax returns. The individual
Trustee may delegate from time to time to the Corporate Trustee, by
an instrument in writing, any or all of said individual Trustee's
rights, powers and duties hereunder.
(D) In the event of the inability or unwillingness
of DALTON L. RUMBERGER to continue to serve as Trustee I the
settlor's son, JEFFREY S. RUMBERGER, shall become the individual
Trustee. In the event of the inability or unwillingness of the
Settlor's son, JEFFREY S. RUMBERGER, to act or to continue to act
in such capacity I the Settlor's son-in-law, THOMAS J. FOSTER, shall
become the individual Trustee. In the event of the inability or
unwillingness of the Settlor's son-in-law, THOMAS J. FOSTER, to act
or to continue to act in such capacity I no successor individual
Trustee shall be appointed, and thereafter I the term "Trustees"
shall be interpreted as referring only to the corporate Trustee.
Notwithstanding the foregoing I each of the Settlor's children shall
- 17 -
ntJlJIHINtI HII n I H .\ 11111 11M HI\\" ~I H IId!1. 14'1} " 'I14lll II.... If'j""
have the right to become the solo individual Co-Trustee of his or
hor separate trust hereunder, following the death of the Settlor's
husband.
(E) Unless otherwise specifically indicated herein,
if the Trustees are unable to agree with respect to any decision
hereunder relating to any matter other than investments, the
decision of the Corporate Trustee shall control and the other
Trustee then serving is absolved from all liability which may
result from such decision. In the event of any disagreement
between the Trustees with respect to the investment of the assets
of the trust, the decision of the individual Trustee shall control,
and the corporate Trustee is absolved of all liability which may
result from such decision.
(F) The corporate Trustee may resign at any time
during the Settlor's lifetime by written notice to her. After the
Settlor's death, the corporate Trustee may resign at any time,
without stating cause, by petitioning a court of competent
jurisdiction to designate and appoint a successor corporate
Trustee. In case of the merger or consolidation of the Trustee,
the resultant company shall become successor Trustee hereunder
without notice to any party.
(G) The corporate Trustee shall be entitled to
receive annual compensation for its services hereunder in accor-
dance with its schedule in effect when the services are performed I
but not in excess of such compensation as would be approved by a
court of competent jurisdiction. During the Settlor's lifetime,
such compensation shall be charged wholly against income, unless
the Settlor directs otherwise in writing, For any services
- 18 -
lioUI"INlIt4llnl".\ lIuI'IIM tU\\' !'II." lid n I'I'I! ~ \,.,...111 II.. ".,.,1/
performed by it in connection with the Settlor's estate, which
services are normally performed by the personal representative, the
Corporate Trustee shall be entitled to such additional compensation
as may be fair and reasonable under the circumstances. The
corporate Trustee is authorized in its discretion to sell securi-
ties to the extent necessary to pay any portion of such compensa-
tion which is chargeable against principal. Any individual Trustee
shall serve without compensation.
SEVEN: (A) The Settlor or ochers may add hereto, by
Will, inter vivos transfer or beneficiary designation, cash or such
property in kind as is acceptable to the Trustees.
(B) The Settlor reserves the right to revoke this
Deed of Trust at any time, in whole or in part, by written notice
delivered to the Trustees during the Settlor's lifetime.
(C) The Settlor further reserves the right to amend
this Deed of Trust at any time by a proper instrument in writing,
executed by the Settlor, delivered to the Corporate Trustee during
the Settlor's lifetime and accepted by the Trustees.
(D) If the Settlor designates the Trustees as
beneficiary of the proceeds of any policies of insurance on her
life, the duty and responsibility for the payment of premiums and
other charges on such policies during the Settlor's lifetime shall
rest solely upon her, unless she shall expressly direct the Trustee
in writing to pay the same from Income or principal; otherwise I the
only duty of the Trustees shall be the safekeeping of such policies
as are deposited with them, and the Trustees sl.all be under no duty
to notify the Settlor that any such premium or other charge is due
- 19 -
,
titll:IIWINIIWllnIW.\ IIIJlIIM WJW MW ll.l~'.l"~! "\h~1ll II... ""'I'
and payable. All options, rights, privileges and benefits
exercisable by or accruing to the Settlor during her lifetime by
the terms of the policies shall be for her sole benefit and shall
not be subject to this trust; the Settlor agrees, however I not to
exercise any options whereby the proceeds would be payable to the
Trustees other than in one sum. Upon the written request of the
Settlor, the Trustees shall execute and deliver such consents and
instruments as may be requisite to enable the Settlor to exercise
or avail herself of any option, right, privilege or benefit granted
by any of the policies. Upon the settlor's death, or at such later
time as may be specified in the policies, the net proceeds of any
policies then payable to the Trustees hereunder shall be collected
by the Trustees; the receipt of the Trustees for such proceeds
shall release the insurance companies from liability on the
policies, and the insurance companies shall be under no duty to see
to the application of such proceeds. The Trustees may take all
steps necessary in their opinion to enforce payment of said
policies and shall be entitled to indemnify themselves out of any
property held hereunder against all expenses incurred in taking
such action.
EIGHT: (A) As used in this Deed of Trust, the singUlar
may include the plural and the plural the singular I and the use of
any gender shall be applicable to all genders.
(6) This Deed of Trust has been delivered to and
accepted by the corporate Trustee in the Commonwealth of Pennsylva-
nia and shall be governed in all respects by the laws of said
State.
- 20 -
lIutllMINtI MUT! I'.M A: 1I111:11M MJW SI M u..I17. IIN} IHh.llll H," 1I'I'.N1
WITNESS the due execution hereof the day and year
aforesaid.
WITNESS:
SETTLOR:
b~
" " I.' i/ J -1,v,' v'
""I";c. I.. u)7J,(V',{" 7'." (SEAL)
. ancy . Rum erger, Settlor
WITNESS:
ATTEST:
TRUSTEE:
MELLON BANK, N.A.
i .1'
T,,_'"! __.....
-'~.l..l ...l.,~~ ',.10
Vice
}'
- ,-,--
-' '. "".--'"
" r'l..I~.:'tZ_
President
By:
- 21 -
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF ALLEGHENY
)
) ss:
)
On this, the
/ :dI-
.
day of
~
1992, before me, a Notary pUblic, the undersigned officer,
personally appeared NANCY W. RUMBERGER, known to me (or satisfac-
torily proven) to be the person whose name is subscribed to the
within Deed of Trust as Settlor, and acknowledged that she executed
the same for the purposes therein contained.
IN WITNESS WHEREOF, I have hereunto set my hand and seal.
~s.- I'IdO
~J.~~
~'~N1.l",'QQ6
W~ -
,~
~~
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF ALLEGHENY
55:
On this, the
/~
day of
~
1992, before me, a Notary pUblic, the undersigned officer,
personally appeared DALTON L. RUMBERGER, known to me (or satisfac-
torily proven) to be the person whose name is subscribed to the
within Deed of Trust as individual Trustee, and acknowledged that
he executed the same for the purposes therein contained.
IN WITNESS WHEREOF, I have hereunto set my hand and seal.
~SealP\dC
I\<illlIIJ.w.::;~
1.ti~~E><J*8llAug." '996
,~.....
~,
MEMORANDUM OF REAL ESTATE OUTSIDE
THE COMMONWEALTH OF PENNSYLVANIA
(Do not Include value In total of the Inventory)
NONE
AFFIDAVIT OF EXECUTOR OR ADMINISTRATOR
<!!UIIIIIIIlI1Wcult11 uf ttCl1l1l1uluallla 1.
(!!uIIIIIU uf ~~I~UfY\h?rlll.volJ 55:
Cumberlnnd
Notllrv Public
In .nd lor 1.ld Counly
who, being duly sworn lIccordlng
Penonlllly before me, the undersigned authority, "
and SllIle, nppellfcd nn1 tnn I.. nllmllf~rr-(lr
10 law. deposes end IllY' Ihftt he Is the executor or admlnlslrDtor of the estate of
Nnnrv to}. Rumlwruer I dccl'lI\cd, thAt the foregoing schedules constitute ft complete Invcntory
and eppralsemcnl of the real and personal estale of Nnncv \,z. RumbC!['uer
deceased, except real estate oulllde the Commonwealth of Pcnnsytvllnlll, thai the figures opposite each lIem of real and penonal
estftle In the foregoing schedules tue determined And stated by Ihe undersigned to be the fair value of said Items as of the dale of
the decedent'
, ~OlARiM W,L
O~WN M SHUGIII,Rl. 1jt131Y PubliC
rgtli~ It n C "11\11--,
l,Iy C mniit~1 :~ U ~,"I'J~e ,.}
ADDITIONAL INSTRUCTIONS
I. The Invenlo,y Ihan be filed no 1.le, Ih.n the d.te the .ccount II filed or the due d.te, Including .ny e.ten.lon, fo,lhe filing 01
the Inheritance Talt Return (9 months from the dllite of death) whichever comes first.
2. A lupplemenl.llnvenlo,y mull be filed wl,hln thl,ly d.y. of dllcove,y of .ddltlon.1 ....1..
3. An orlgln.1 and Iwo cople. mUlt be filed.
4. Additional sheets may be attached as to personl~lty or realty.
5. Se. Sed Ion 3301 .1 ..q. 01 the Probate EIl.le. .nd Flducl.rlel Code 011972, .. .mended.
6. The Inventory mull be Iyped.
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REVOCABLE DEED OF TRUST
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,
RAYMOND R. GOEHRING, oJR
rRECERtCK It. 80ttiM
ROStHT W OEIL!iTCIN
LtI: A DONALDSON, "'R.
rRANKLIN BLACKSTONE, ..Ht
DANIEL r, GR"'MC
ROOERT oJ. WINTERS
LEA t, ANDERSON-
PATRiCK.... Ct.AIR
MICHAEL 0, ,",cCAOE
DONALD oJ. PAI..M[A
CHARLES A. M[RCH"""
MARY DAUER COLVILU:
"'ICMAtt.. K. PARRISH
CAVID W, ROSS
WENDY O. H[Lt[N
."LSO"'IWHItOl'W VA .'Ukl&AlI
LAW OfFICES
GOEHRING, RUTTER & BOEHM
A PRorESSIONAL CORPORATION
FOURTEENTH FLOOR, FRICK BUILDING
PITTSBURGH, PENNSYLVANIA 15219
412'2BI'O~B7
F"AXl 412.261.2971
March 1, 1995
VIA EXPRESS MAIL
Ms. Mary C. Lewis
Register of Wills
Cumberland County
One Courthouse Square
CarliSle, PA 17013
RE: Estate of Nancy W. Rumberger, Deceased
File No. 1994-00756
PA File No. 2194-0756
Dear Ms. Lewis:
7)
8)
I am enclosing the following:
1)
...
RA.."'OND R, OO[HffINQ
1'..'1..31
TUO"''''5 .... RUTTER, ~R
1'.331..0j
or COUPHiEL
C. .JOHN TILt.......'"
on :0:0
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Original and two copies of the Inventory of the probate
assets to be filed;
Filing fee for the Inventory in the amount of $13;
Original and one copy of the Pennsylvania Inheritance Tax
Return to be filed;
Photocopy of the Federal Estate Tax Return, Form 706 to
be filed with t.he Pennsylvania Inheritance Tax Return;
Filing fee for the Pennsylvania Inheritance Tax Return in
the amount of $15;
Check in the amount of $6/239.67 made payable to the
Register of Wills, Agent for the Pennsylvania Inheritanqe
Tax due;
2)
3)
4)
5)
6)
Photocopy of the Inventory for time-stamp and return to
me;
Photocopy of the cover sheet of the Pennsylvania
Inheritance Tax Return for time-stamp and return to me;
..
......
Ms. Mary
March 1,
Page Two
C. Lewis
1995
9)
Photocopy of the cover sheet of the Federal Estate Tax
Return, Form 706 for time-stamp and return to me; and
Self-addressed stamped envelope to be used to return the
Inventory and Inheritance Tax filing receipts and the
time-stamped cover sheets of the Pennsylvania Inheritance
Tax Return and Federal Estate Tax Return, Form 706.
Thank you for your assistance. If you have any questions,
please contact me or my assistant, Christine Martin.
10)
Very truly yours,
~)Jr!*l~rI
Raymond R. Goehring, Jr.
RRGJr/cmm
Enclosures
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~p~er.r . OUESTIONS? CALL /100.238.5355 rOLL FREE. . PACKAGE'" J '- ' J
~ TRACKING NUM8ER
2288004320
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RECIPIENT'S COpy
lo Hlooptllflls Namel Plea~ PIlol
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ALL that certain lot or parcel of land situate
Township, Cumberland County, Pennsylvania,
bounded and described as follows:
in South Middleton
more particularly
BEGINNING at an iron pin on the easterly right-of-way line of
Derbyshire Drive, a 50 foot wide right-of-way, which said point is
more particularly located at the intersection of the easterly
right-of-way line of Derbyshire Drive and the dividing line between
Lots Nos, 12 and 13 on the Plan of Lots known as "Final Plan for
Mayapple Village, Derbyshire Lots 1-39"; thence from said point of
beginning along the dividing line between Lots Nos. 12 and 13 on
the aforesaid Plan of Lots, South 74 degrees 12 minutes 12 seconds
East, a distance of 142,55 feet to a concrete monument on the
property line of other land of Mayapple Village as shown on the
aforesaid plan of Lots; thence from said concrete monument along
the property line of other lands of Mayapple Village, South 21
degrees 00 minutes 23 seconds West, a distance of 122,18 feet to an
iron pin on the dividing line between Lots Nos, 13 and 14 on the
aforesaid Plan of Lots; thence from said iron pin along the
dividing line between Lots Nos, 13 and 14, North 61 degrees 43
minutes 50 seconds West, a distance of 140,70 feet to an iron pin
on the easterly right-of-way line of Derbyshire Drive; thence from
said iron pin along a curve to the left having a radius of 350.00
feet, an arc distance of 91,74 feet along a chord bearing of North
19 degrees 30 minutes 34 seconds East, a chord length of 91,48 feet
to the point and place of beginning.
BEING Lot No. 13 containing ,3409 acres on the Plan of Lots known
as "Final plan for Mayapple Village Derbyshire Lots 1-39," prepared
by Statler-Brehm, Engineering and planning Consultants, dated
January 26, 1989, and recorded in the Office of the Recorder of
Deeds of Cumberland County, Pennsylvania in Plan Book 58, page 68-
A,
UNDER AND SUBJECT to building setbacks as set forth on the above
mentioned plan, being a 30 feet front setback line, a 40 feet rear
setback line, and a 10 feet side setback line,
ALSO UNDER AND SUBJECT to the restrictions as more particularly set
forth in the Declaration of Covenants and Restrictions dated June
16, 1989, made by 539 Development Company, and recorded in the
Office of the Recorder of Deeds of Cumberland County, Pennsylvania
on June 16, 1989, in Misc, Book 365, Page 566; the Supplemental
Declaration of Covenants and Restrictions dated October 16, 1989
made by 539 Development Company recorded on October 16, 1989 in
Misc, Book 370, page 720; the Amended Supplemental Declaration of
Covenants and Restrictions dated October 17, 1990, made by 539
Development Company, and recorded in the Office of the Recorder of
Deeds of cumberland County, Pennsylvania on October 25, 1990 in
Misc, Book 388, page 1089; and to all other restrictions,
reservations, setback lines and rights-of-way of record.
!J.,,- ?
REV-lS47 EX AFP (12-94)*
COHHOHWUL HI OF PENNSYLVANIA
DEPARTMENT OF REVENUE
BUREAU Of INDIVIDUAL TAXES .
DEPT. ua601
ttAARlSIURC, PA 11ua-a601
NOTICE OF INHERITANCE TAM
APPRAISENENT, ALLOWANCE OR DISALLOWANCE
OF OEDUCTIONS AND ASSESSNENT OF TAM
ACN 101
DATE 05-08-95
Oo'i- .
V
S TE OF FILE NO.
DATE OF DEATH 06-06-94 COUNTY CUMBERLAND
NOTE. TO INSURE PROPER CREDIT TO YOUR ACCOUNT. SUBNIT THE UPPER PORTION OF THIS FORN WITH YOUR TAM
PAYNENT TO THE REGISTER DF WIllS, NAKE CNECK PAYABLE TO "REGISTER OF WIllS, AGENT"
REMIT PAYMENT TO:
ROBERT J WINTERS ESQ
GOEHRING ETAL
1424 FRICK BLDG
PGH PA 15219
REGISTER OF WILLS
CUMBERLAND CO COURT HOUSE
CARLISLE, PA 17013
AIWaunt R..Ht.d
CUT ALONG THIS LINE ~ RETAIN LOWER PORTION FOR YOUR RECORDS ......
ifiv:is4i-EiC"AFP-nZ:94Y-iloYicE--OF--iiiHEiiii'ANCE-YAX-APPRAisEifiil'r,--.u,UiwAifcE-oli-----------------
DISALLOWANCE OF DEDUCTIONS AND ASSESSMENT OF TAX
ESTATE OF RUMBERGER NANCY W FILE NO. 21 94-0756 ACN 101 DATE 05-08-95
APPROVED DEDUCTIONS AND EXEMPTIONS:
25,~9,65
9. Funeral Expan.../Ad... Coat,/Hllc. Expen... (Schedule Hl (91
10. Debts/Hodgag. Liabiliti../Llana (Schedula Il (10) 153.11
11. Tobl Deductions (1)
12. Hat V.lu. of ra)( R.turn (12)
13. Charitable/Governll.nt.l aequ..h (Soh.dub .J) 1131
14. H.t V.lu. of Eat,t. Subject to raM (141
NOTE: If an assessment was isslJed previouslY, lines 14, IS andl'or 16. 17 and 18 will
reflect figures that include the total of ALL returns assessed tD date.
ASSESSMENT OF TAX:
15. Allount of Lln. 14 .t Spau..l rata (15)
16. Altount of Lin. 14 bx.bl. .t Lin..lICl... A rat. (16)
17. Allount of Lin. 14 t.xabla at Collat.ral/C1a.. Brat. (17)
18. Princip.l Tax Dua
TAX RETURN WAS, I X I ACCEPTED AS FILED
RESERVATION CONCERNING FUTURE INTEREST - SEE REVERSE
APPRAISED VALUE OF RETURN BASED ON: ORIGINAL RETURN
1. Raal E.t.t. ISchadula A) (1)
2. stock. and Bond. (Sch.dul. B) (2)
3. Clo..ly H.ld stock/Partn.r.hip Intara.t ISch.dule C) (3)
4. Hortgaga./Hot.. RaceiYabla (Schadule D) (4)
S. Ca.h/Bank Dapo.ita/Hi.a. Parsonal Proparty (Schadula E) CS)
6. Jointly Ownad Proparty (Schadule F) (6)
7. Tran.f.rs (Schadul. G) (7)
8. Total A...ta
CHANGED
(")0
c? ,(i
205,lfuo.00 \j1
.00 ~~
. DO
1
,DO VI
8.740.00
.00- .
617,3,-1.64 .j\
,.....~ (8) \.,.oJ
.00
805,748,88
,DO
M . DO.
M ,06.
K ,15.
!lB)
TAX CREDITS:
PAYNENT
DATE
08-30-94
03-03-95
DISCOUNT c.)
INTEREST ,- I
2.105,26
,DO
ANOUNT PAID
40,000.00
6,239,67
RECEIPT
NUNBER
MM912887
AA022900
TOTAL TAX CREDIT
BALANCE OF TAX DUE
INTEREST
TOTAL DUE
:-rJ
:11 rl
I ,\ ~ J
~. ...
"., I
831,121,64
?G 37? 76
805,748,88
,DO
805,748.88
,DO
48.344.93
,DO
48.344.93
48,344.93
.00
,DO
,DO
. IF PAID AFTER DATE INDICATED, SEE REVERSE
FDX CALCULATION OF ADDITIONAL INTEREST,
IF TOTAL DUE IS LESS THAN '1, NO PAYNE NT IS REQUIRED,
IF TOTAL DUE IS REFLECTEO AS A "CREDIT" (CRI, VOU NAY BE DUE
A REFUNO. SEE REVERSE SlOE OF THIS FORN FOR INSTRUCTIONS.)
RESERVATION I E.tat.. 0' decedent. d~lna on o~ b.for. D.c..b.~ 1', I'.' .. If an~ 'utur. Int.r..t In the ..tat. I. tran"a~r.d
In po.....lon or anJoy.ant to Cl... . (coll.t.r.l) bane'lcla~I.. of tha d.c.dant .ft.~ the .xplratlon 0' any ..'at. 'o~
11'a or for y..r., tha Co..anw..lth h.rab~ .xpr...I~ r...tv.. the right to app~.I.. and ...... ttan.,.r Inh.~ltanc. T.x..
at the l.w'ul CI... . (col1.t.r.l' t.t. on any .uch 'utur. Int.r..t.
_Of
HaTICEI To fulfill the r.qulr.aant. 0' s.ctlon 21~0 of the Inherltanc. and E.t.t. Tax Act, Act 21 of 1991. 11 P.S.
S.ctlon 214f.
PA~TI Detach the top pottlon 0' thl. Hotlc. ~ .ubalt with your p.ye.nt to the R..I.tl~ of Will. p~lnt.d on the ~,vlr.. .Ida.
--Mak. chack o~ aon.y order payabl. tal REGISTER OF MILLS I AGENT
All p.yaant. r,cllved ~11 flr.t b. appll.d to an~ Int'~I.t whIch .IY bl dul wIth any r...lnd.r appllld to the tax.
REFUND (CR)I A r.fund a' I tax cr.dlt, which w.. not raqul.tad an the Tax Alturn, .ay b. r.qua.t.d b~ coapl.tlng an "ApplIcation
'a~ A.,und 0' p.nn.ylvanll Inherltanc. and Ettat. Tn" (REV-lSlS). Appllcltlon. ar. av.Uabl. It the Offlc.
0' tha R.,I.t.r 0' WUh, an~ of thl U R.vWlUl Dlttrlct OfficII, o~ by cIUlna the .p.elal 2".hou~
an.w.~lng ..rvlc. nuab.~. 'or for.. ord.rlngl In P.nn.ylvanl. I-BOO.S6'.2050, out.ld. Pann.ylvanla and
wIthIn loc.l H.rrl.burg ara. (117) 7B7-B09~, TOOl (717) 772-2252 (H..rlnl lapllr.d Only).
OBJECTIONS I Any p.rty In Intar..t not ..tl.,I.d with the appr.I",,"t, allowanc. or dl..llowanc. 0' d.du~tlon., ar .......ant
of tn (Including discount or Int.rllt) II shown on thl. Hotlc. IN.t obJ.ct within '1xt~ (60) day. 0' rec.lpt 0'
this Hotln bYI
--written prot..t to the PA D.p.rt..nt 0' R.v.nu., Bo.rd 0' App..l., D.pt. 211021, Harrl.bur" PA 17128.1021, OR
--.I.ctlon to h.v. the ..tt.r d.t.raln.d at audIt 0' the .ccount 0' the p.t.onal r.pr..ant.tlv., OR
.-.pp..1 to the Orphan.' Court.
ADtUH
ISTRATlVE
CORRECTIONS.
INTEREST I
FactuII .rror. dl.cov.~.d on thl. ........nt .hould b. .ddr....d In writing tOI PA D.p.rt..nt 0' R.v.nut,
Bur..u of IndIvidual T...., ATTHI po.t A.......nt R.vl.w Unit, Dlpt. 210601, H.rrl.bu~I, PA 1'121-0601
Phona (117) 717-6505. S.. p.g. 5 0' thl booklet "In.tructlon. for Inherltanc. Tlx A.turn 'o~ . R..ld.nt
D.c.d.nt" tREY-1501) 'o~ an ..planatlon of adalnl.tr.tlv'IY corrlctlbl. .rror..
I' any tex due I. p.ld within th~.. (5) callnd.r tonth. ,ft.~ the dac.d.nt'. d.ath, . 'Iv. p.rc.nt (IX) dl.count 0'
the tax paid I. .llow.d.
Int.ra.t I. ch.rg.d b.,lnnln. with ,Jr.t dey 0' d.llnqu.ncy, or nine (9) _onth. and on. (I) d.~ 'roe thl data 0'
d.ath, to the d.t. of pay.ant. Tax.. which b.c... d.linquent b.fora January I, 1912 ba.r Inter..t .t thl r.t. of
.I~ (6~) p.rcant par ~ c.lcul,t.d at I d.lly reta 0' .DOOI6~. All tax.. Which b.c... dellnqu.nt on end a,t.r
Januar~ I, 191' will b.ar Inter..t .t a rat. Which will v.ry fro. c.land.r y..r to c.lend.r y..r with that r.ta
announc.d b~ the PA D.part..nt 0' R.v.nu.. Th. appllcabl. Int.r..t rat.. for 1982 through 1995 .r.,
DISCOUHT I
~ Intarllt Rat. D.lly Int.r..t Factor !!!r Intar..t Rat. Dally Int.r.st Factor
1911 zn .0005,.. 1987 '2 .000247
1915 162 .000451 1988-1991 112 .oonol
1984 11;( .000501 1992 9Z .000247
1915 U2 .000556 1995-1994 72 .000192
1'86 In .000274 1995 9Z .000247
--Int.rllt .. cllculat.d .. 'ollow'l
INTEREST . BALANCE OF TAX UNPAID X NUNBER DF DAYB DELINQUENT X DAILY INTEREST FACTOR
--Any Hottn Inuad Ift.r the t.x beco... d.lInquent will nflKt an Int.rllt c.lculatlon to flft.en (5) d.ys
b.yond the d.t. of the .......ant. I' payeant I. .ad. a't.r the Int.r..t co.putatlon data .hown on thl
Notln, Iddl tlonal Int.rllt ...t be cllculatld.
'.
~!V-483 EX AFP (lZ094*,
' CDHHOHW(ALTH OF PEHNSYLVAHIA
DEPAATKENT OF REVENUE
.( IURUU Of INDIVIDUAL TAXES
DEPf. 21D60l
HARRISIURG, PA 17121-0601
/4'd~a.-/()
{, ::l'lY - r? (\
VI
ACN 201 01' .
V
DATE 05-08-95
NOTICE OF DETERMINATION AND
ASSESSMENT OF PENNSYLVANIA
ESTATE TAX BASED ON FEDERAL
ESTATE TAX RETURN
ES T OF RUMBERGER NANCY W FILE NO.21 94-0756
DATE OF DEATH 06-06-94 COUNTY CUMBERLAND
NOTE. TO INSURE PROPER CREDIT TO YOUR ACCOUNT, SUBHIT THE UPPER PORTION OF THIS FORH WITH YOUR TAX
PAYHENT TO THE REGISTER OF WILLS. HAKE CHECK PAYABLE TO "REOISTER OF WILLS, AGENT".
REMIT PAYMENT Tal
ROBERT J WINTERS ESQ
GOEHRING ETAL
1424 FRICK BLDG
PGH PA 15219
REGISTER OF WILLS
CUMBERLAND CO COURT
CARLISLE, PA 17013
I
HOUSE
Allount R..ltt.d
CUT ALONG THIS LINE ~ RETAIN LOWER PORTION FOR YOUR FILES ~
Rifv=483i.EX..AFp.i.iz:-94j.........Niificif.oF..DETE-RHIiiAfIo.N.AiiD.AllsEss.HENif.....----...........---.....
OF PENNSYLVANIA ESTATE TAX BASED ON FEDERAL ESTATE TAX RETURN ..
ESTATE OF RUMBERGER
NANCY
W FILE NO.21 94-0756
ESTATE TAX DETERMINATION
ACN 201
DATE 05-08-95
1. Credit For State Death Taxes as Verifiad
15.697.00
2. Pennsylvania Inheritance Tax Assessed
(Excluding Discount and/or Interest)
46.239.67
3. Inheritance Tax Assessed by Other States
or Territories of the Unitad States
(Excluding Discount and/or Interest)
.00
4. Total Inheritance Tax Assessed
5. Pannsylvania Estate Tax Due
TAX CREDITS I
PAYMENT
DATE
RECEIPT
NUMBER
DISCOUNT (+)
INTEREST (-)
AMOUNT PAfllQ
c: ."
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-IF PAID AFTER THIS DATE, SEE REVERSE SIDE
FOR CALCULATION OF ADDITIONAL INTEREST.
TOTAL TAX CREDIT .00
BALANCE OF TAX DUE .00
INTEREST .00
TOTAL DUE .00
elF TOTAL DUE IS LESS THAN 'I, NO PAYHENT IS REQUIRED
IF TOTAL DUE IS REFLECTED AS A "CREDIT" (CRI, YOU HAY BE
DUE A REFUND. SEE REVERSE SIDE OF THIS FDRH FOR INSTRUCTIONS.)
PURPOSE Of
NOnCEI
To 'ulflll the r.qulr..ant. 0' SectIon '145 Cb) of the Inh.rltancl and E.tata T.x Act, Act ZZ of 1991.
(72 P.S. Section Z145,.
PAYHENTI
natach the top portIon 0' thl. Notlc. and .~It with your p.yaant to the R.,I.t.r of Will. prInted on the
r.v.r.. .1....
-- Hak. check o~ 'ona~ ord.r p.y.bl. tOI REGISTER OF MILLS, ADENT.
All Ply..nt. r.c.lv.d ,hall b. .ppll.d flr.t to any Int.r"t whIch ..~ b. due with en~ r..alnd.r appll.d to the taM.
REFUND (CAJI A r.fund of . t.x cradlt ..y b. r.quast.d by caaplatlng en "Appllc.tlon for R,'und of penn.ylvanla
Inherltanc. and Eat.t. Tax" (REV-ISIS). Appllc.tlon. ara .vallabl. .t the O'flc. 0' the R.gI.t.r of WIlli,
any of tha 25 R.venu. DI.trlct D'flc.. or 'ro. the n.p.rt.ant'. Z~-hour an.w.rlng ..rvlc. nuab.r. 'or fora. ord.rlnal
In Penn.Ylvanla t.aOO-S6Z-Z0S0, out,ld. Pann.vlvanl. ~ withIn local H.rrl.burg .r.. ('17) '17-1094,
TDD' (111) 77Z-ZZSZ (H..rlnG lap.lr.d Onl~).
OBJECnONSI Any p.rty In Int.rllt not IIU.,I.d with the .......ant of tu II .hown on this notlca .ay DbJ.ct within
.Ixty (60) day. of r.c.Jpt of thl. Notlc. bYI
--wrItten prot..t to the PA Oap.rhant of R.vanu., Board 0' App..", O.pt. Zl1OZI, H.rrhbura, PA l1ua-lOn, OR
--.I.ctlna to have the ..tt.r d.t.raln.d .t audIt of the p.r.onal rapr.....,t.Uv., OR
....pp..1 to th. Drphlll1" Court.
ADHIH-
ISTRAUVE
CORRECTIONS.
Factu.1 .rror. dl.cov.rtd on thl. .......ant .hould b. addr...ed In writing tal PA D.p.rtaant of R.venu.,
Bur.au 0' Indlvldu.l T...., ATTNI Poat A.....aant Rtvlaw UnIt, D.pt. Z10601, Harrlsbura. PA 11121.0601,
Phon. ('11) 717-6505. s.. p.a. 5 0' the bookl.t "In.tructlon. for Inh'rlt~. T.x R.turn for a R..ldant
D.c.d.nt" (REV-ISo1) 'or an .xplanatlon of adalnlatr.tlv.lv corractabl. .rror..
IHTEAESTI
For dat.. 0' d.ath on or .,t.r 10-5-'1, Penn.ylvanla E.tat. T.x b...d on the F.d.r.l E.t.ta T.x
r.turn baCot.. d.llnquant .t the .xplr.tlon 0' nln. (0') aonth. 'roa th. data of d..th.
For data. 0' d..th prIor to 10-5-91, P.nn.ylvanla Elt.t. T.. ba.ad on the f.d.r.l E.tnt. raM r.turn
b.coaa. d.llnquent at th. .xplr.tlon of .Ight.an (II) IOnthl 'rot tha data of d..th.
T.... which bac... d.llnquant b,'ora Janu.r~ 1, 191Z b.ar Int.~..t at the r.t. of .IM (6~) p.rcent p.r annua
calculat.d at . d.lly r.t. of .000164. All tax.. which baca.. d.llnquant on or a't.~ January 1, 1912 will b..r
Int.r..t .t . r.t. which will v.ry fto. c.l.nd.r y..r to c.l.nder ~'.r with that r.t. announc.d by the PA
O.p.rt..nt of R.vanu.. The eppllcabl. Int.r..t ~at.. 'or 1912 through 1995 .r'l
Y..r Int.ralt R.t. O.llv Int.r..t r.ctDr !!!! Int.r..t R.t. DaUy Intar..t F.ctor
1912 2DX .000548 1987 .X .000247
1985 16X .000451 1981-1991 llX .000501
1914 llX .000301 1992 'X .000247
1985 UX .000556 1995-19'" T< .000192
1916 lOX .000274 1995 OX .00024'
--Int.r..t I, c.lcul.tad .. follow..
INTEREST = BALANCE OF TAX UNPAID X NUNBER OF DAYB DELINQUENT X DAILY INTEREST FACTOR
--An~ Notlc. I..ued .ft.r the tax baco... dallnquent wIll r.,I.ct an Int.r..t c.lculetlon to flft.en (15) d.y.
b.yond the det. of the ........nt. If pay.ant I. ..d. ,'t.r lha Int.r..t coaput.tlon date .hown on the
NotJc., .ddltJon.l Jnt.r..t .u.t b. calculated.
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"
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I'IJIll'Ml':Of
HOTlCEI
To fulfIll thl raqulr..ant. of S.etlon 2145 (b) of the Inh.rltanc. and E.tat. T.x Act, Act 22 of 1,'1. C,Z P.s.
SKtlon 2145).
PAVltEMTI
U.tech the top portion of thl. Notlca end .ubalt with your pav-ant to tha A.al.t.r of Will. prlntad on the
rav.r.. sid..
__ Hak. chack or .ontI~ ord.r p.~abl. to I REGISTER OF MILLS I ADENT.
All pay.~t. r.c.lv.d .h.l1 b. appll.d flr.t to an~ Int.r..t whIch .ay b. due with any r...lnd.r appll~ to the t.x.
REflJ(D (CA).
A r.fund of . tax cr.dlt ..y b. r.qu..tad b~ coaplatlna an "Application for A.fund of Ptnn.ylvanla
Inheritance and E.t,ta Tn" (REV-ISlS). Appllc.tlon. ara .vellabl. at the Offln of the R.ghter of WIU.,
an~ of thl ZS Ravanu. DI.trlct Offlc.' or fro' the n.p.rtaant" Z4-hoUr an.w.rlnG s.rvlce nuablr' for for.' ord.rln'l
In p.nn.ylvanla l-IOO-S6Z-Z0Io, out.ld. pann.~lvanl. and wIthIn local Harrl.burg ar.. e71') 71'-1094,
TODI ('11' "2-2252 (H..rlng lap.lr.d OnlY'.
OBJECTIONS I Any p.rty In Int.r..t not ..tl.fl.d with the ......lInt of tax .1 .nown on thl. notlc. .a~ obj.ct withIn
.Ixty (60) day. of r.c.lpt of thl. Notlc. by,
--wrltt.n pro tilt to the PA n.pert..nt of R.vanu., Board of App..ls, D.pt. 211021, H.rrlsbUrlh PA UUI-lOU, OR
--.l.ctlng to h.ve the .attar datar.lnld .t .udlt 0' the p.r.on.1 r.pr...nt.tlv., OR
__.pp... to the Orphana' Court
ADHIH-
lSTRATlYE
CORRECTIOHSI Factual arror. dl.co~.r.d on thl. ........nt .hould ba addr...ed In wrIting tol PA D,part..nt of R'v~,
Bur.au of Indh,IdUII TaMil, ATTNI post A.......nt R.vl.w Unit, O.pt. 210601, llarrhbUrg, PA 17128-0601,
Phone (117) 71'-6505. S.. p.,. 5 0' the bookl.t "In.t~uctlon. for Inherltanc' T.M R.turn 'or a R..ld.nt
Dacadant" tREY-1501) for an Ixplanatlon of ed.lnl.tr.tlv.ly corr.ct.bl. .rror..
INTEREST'
AddItIonal P.nnsYlvanla E.tat. T.x .......d .. . r..ult of a chanDa on the Fad.r.l E.tata 'IX clo.lng
latt.r b.co... d.llnqu.nt at tha .xplr.tlon of on. (I> .onth frDl the data the fin.l notic. of tha Incr....
In Fad.r.l E.t.t. T.x II r.calvad.
T.x" which b.c... d.llnqu.nt b.for. Janu.ry 1, 1912 b..r Int.r..t at the rate of .Ix (6~) p.rc.nt p.r ~
c.lcul.t.d .t . d.ll~ tat. 0' .00016~. All t.... whIch b.cIII d.llnquant on a~ .,t.r January 1, 1'12 will bI.r
Int.ra.t .t . r.ta whIch will v.r~ fro. c.l.ndar y.er to c.l.nd.r yaar wIth that rat. announc.d b~ the PA
D.p.rtaant 0' A.v,nu.. Tha appllcabla Int.r..t rat.. 'or 1'12 through 1995 ar'l
'lur tnt.,....t R..t. ".llv Int.,....~ ~..etOr. XU< Tnt.,....t R..t. n..llv Int.,..... ~"l!tD"
1912 ZDiC .0D054' 1'1' 'X .DOOZ47
1'15 16:C .00D45' 1911-1991 llX .00DSal
I'" lliC .Oonal 1992 'X .000'41
1915 niC .0DOSS6 1995-1990\ r. .00D192
1916 lOX .ODD274 1995 'X .OD0241
-"Int.r..t I. c.lcul.tad .. followll
IHTEREST a S^LAHCE OF un UHP^ID x HUHDER OF DnS DELIHQUENT x DULY INTEREST F^CTDR
-.anv Hotlce I..ued aftar the tax b.co.,' dallnquent will r.flact an Int.r..t calcul.tlon to flft.~ (15' d.y.
b.yond th. data of tha ......aant. If p.yaent I. .eda .ft.r the Intar..t coaput.tlon d.t. .hoWn on the
Notlc., addltlon.l Int.r..t lU.t bI c.lcul.ted.
~-736 EX AFP (12-9*1
CGHKOHWEAlTH OF PENNSYLVANIA
Df.PARTtlEHT OF AEVEHUE
BUREAU OF JHDJYlDUAl TAkES
DEPT. 2U6DI
t~AIS.URa, PA 1'1'1-0601
/ 'I - J :>;\ -/D
? - !5 '/1' -- '/
ACN 202
t.
NOTICE OF 'DETERMINATION AND
ASSESSMENT OF PENNSYLVANIA
ESTATE TAX BASED ON FEDERAL
CLOSING LETTER
DATE 10-09-95
ESTATE OF RU~BERGER NANCY W FILE NO. 21 94-0756
DATE OF DEATH 06-06-94 COUNTY CUMBERLAND
NOTE. TO INSURE PROPER CREDIT TO YOUR ACCOUNT, SUBHIT THE UPPER PORTION OF THIS FORH WITH YOUR TAX
PAYHENT TO THE REGISTER OF WIllS. HAXE CHECX PAYABLE TO "REGISTER OF WILLS, AGENT".
REMIT PAYMENT TOI
ROBERT J WINTERS ESQ
GOEHRING ETAL
1424 FRICK SLDG
PGH PA 15219
REGISTER OF WILLS
CUMBERLAND CO COURT HOUSE
CARLISLE, PA 17013
I
Allount R..Ut.d
CUT ALONG THIS LINE .. RETAIN LOWER PORTION FOR YOUR FILES ....
Rifv:736--EX--AFP--{i2~-94j-----.-.-NiificE--OF--OETE-RHiiiATioii-AN-O-A!iSESS-HENT-----------------------------
OF PENNSYLVANIA ESTATE TAX BASED ON FEDERAL CLOSING LETTER MM
ESTATE OF RUMBERGER
NANCV
W FILE NO.21 94-0756
ACN 202
DATE 10-09-95
ESTATE TAX DETERMINATION
1. Credit For State Death Taxes as Verifiad
15,697.00
2. Pennsylvania Inheritance Tax Assessed
(Excluding Diacount and/or Interast)
46.239.67
3. Inheritanca Tax Aasassed by Othar States
or Territorias of the Unitad Statas
(Excluding Diacount and/or Intarast)
.00
4. Total Inheritance Tax Assessad
5. Pennsylvania Estate Tax Dua
6. Amount of Pennsylvania Estntn Tnx Previously Assessnd
Besed on Federel Estete Tax Raturn
.00
7. Additional Pennsylvania Estata Tax Due
.00
TAX CREDITS I
PAVMENT
DATE
RECEIPT
NUMBER
DISCOUNT (+)
INTEREST (-)
AMOUNT PAID
TOTAL TAX CREDIT
BALANCE OF TAX DUE
INTEREST
TOTAL DUE
00
00
o
· ~~RP~!rc6Elf~0~H6~ Rab~Tf~RA~EYR~~RE~fDE
I IF TOTAL DUE IS lESS THAN U. NO PAYHENT IS REQUIRED. IF TOTAL DUE IS REFLECTED AS A "CREDIT"
YOU HAY BE DUE A REFUHD. SEE REUERSE SIDE OF THIS F~RH FDR INSTRUCTIONS. I
ICRI,
~ - .jt/.V - 7
~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
IN RE:
ESTATE OF
NANCY W. RUMBERGER, DECEASED
ORPHANS' COURT DIVISION
No. 1994-00756
CERTIFICATION OF NOTICE
Filed on Behalf of the Estate
Counsel of Record for
this Party:
RAYMOND R. GOEHRING, JR.,
ESQUIRE
PA 1.0. # 00601
GOEHRING, RUTTER & BOEHM
Firm #102
1424 Frick Building
pittsburgh, PA 15219
(412) 281-0587
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I
NOTICE OF BENEFICIAL INTEREST IN ESTATE
BEFORE THE REGISTER OF WILLS, COUNTY OF CUMBERLAND , PENNSYLVANIA
In reI Estate of NANCY W. RUMBERGER , Deceased
No. 1994-00756
TO: Dalton L. Rumberger, Trustee
27 Derbyshire Drive
Carlisle, PA 17013
Please take notice of the death of decedent and the
letters to the personal representative(s) named below.
have a beneficial interest in the estate as follows:
grant of
You may
Residue of Estate to Nancv W. Rumberaer Trust dated 11/12/92
Name of decedent Nancv W. Rumberaer
Last known address 27 Derbvshire Drive. Carlisle. PA 17013
Date of Death June 6. 1994
Place of Death Cumberland
county of grant of original letters Testamentarv
Decedent died
x
testate
intestate.
A copy of the will
is
x
is not attached.
Name(s), address (es) and telephone number(s) of all personal
representatives appointed:
Dalton L. Rumberaer. 27 Derbvshire Dr.. Carlisle. PA 17013
Telephone (717\ 243-3149
Name(s), addressees) and telephone number(s) of all counsel:
Name RAYMOND R. GOEHRING. JR.. ESOUIRF. Telephone: (412) 281-0587
Goehring, Rutter & Boehm, 1424 Frick Bldg, Pittsburgh, PA 15219
Additional information may be
Date: Mav 3. 1995
o~~erSigned:
Signature
Name RAYMOND R. GOEHRING. JR.. ESO.
Address Goehring, Rutter & Boehm
1424 Frick Building
Pittsburgh, PA 15219
Telephone (412) 281-0587
Capacity:
Personal Representative
xxx
Counsel for Personal
Representative
.'
NOTICE OF BENEFICIAL INTEREST IN ESTATE
BEFORE THE REGISTER OF WILLS, COUNTY OF CUMBERLAND , PENNSYLVANIA
In re: Estate of NANCY W. RUMBERGER , Deceased
No. 1994-00756
TO: Mellon Bank N. A., Trustee
Ms. Tina Thomas
Assistant vice President
One Mellon Bank Center
Pittsburgh, PA 15258-0001
Please take notice of the death of decedent and the
letters to the personal representative(s) named below.
have a beneficial interest in the estate as follows:
grant of
You may
Residue of Estate to Nancv W. Rumberaer Trust dated 11/12/92
Name of decedent Nancv W. Rumberaer
Last known address 27 Derbvshire Drive. Carlisle. PA 17013
Date of Death June 6. 1994
Place of Death Cumberland
county of grant of original letters Testamentarv
Decedent died
x
testate
intestate.
A copy of the will
is
x
is not attached.
Name(s), address (es) and telephone number(s) of all personal
representatives appointed:
Dalton L. Rumberaer. 27 Derbvshire Dr.. Carlisle. PA 17013
Telephone 1717\ 243-3149
Name(s), address (es) and telephone number(s) of all counsel:
Name RAYMOND R. GOEHRING. JR.. ESOUIRE Telephone: (412) 281-0587
Goehring, Rutter & Boehm, 1424 Frick Bldg, pittsburgh, PA 15219
Additional information may be
Date: Mav 3. 1995
obt~~ undersigned:
t.~.
Signature
Name RAYMOND R. GOEHRING. JR.. ESO.
Address Goehring, Rutter & Boehm
1424 Frick Building
PittSburgh, PA 15219
Telephone (412) 281-0587
Capacity:
Personal Representative
xxx
Counsel for Personal
Representative
J
NOTICE OF BENEFICIAL INTEREST IN ESTATE
BEFORE THE REGISTER OF WILLS, COUNT'l OF CUMBERLAND , PENNSYLVANIA
In re: Estate of NANC'l W. RUMBERGER , Deceased
No. 1994-00756
TO: Jeffrey S. Rumberger
107 Gladewood Lane
Hurricane, WV 25526
Please take notice of the death of decedent and the
letters to the personal representative(s) named below.
have a beneficial interest in the estate as follows:
grant of
You may
No Beneficial interest
Name of decedent Nancv W. Rumberqer
Last known address 27 Derbvshire Drive. Carlisle. PA 17013
Date of Death June 6. 1994
Place of Death Cumberland
County of grant of original letters Testamentarv
Decedent died
x
testate
intestate.
A copy of the will
is
x
is not attached.
Name(s), address (es) and telephone number(s) of all personal
representatives appointed:
Dalton L. Rumberqer. 27 Derbvshire Dr.. Carlisle. PA 17013
Telephone (7171 243-3149
Name(s), address (es) and telephone number(s) of all counsel:
Name RAYMOND R. GOEHRING. JR.. ESOUIRE Telephone: (412) 281-0587
Goehring, Rutter & Boehm, 1424 Frick Bldg, Pittsburgh, PA 15219
Date: Mav 3. 1995
obtai".~~~erSigned:
~1' /
signature
Additional information may be
Name RAYMOND R. GOEHRING. JR.. ESO.
Address Goehring, Rutter & Boehm
1424 Frick Building
pittsburgh, PA 15219
Telephone (412) 281-0587
capacity:
Personal Representative
xxx
counsel for Personal
Representative
please take notice of the death of decedent and the
letters to the personal representative(s) named beloW.
have a beneficial interest in the estate as follows:
grant of
You may
BEFORE THE REGISTER OF WILLS, COUNT'i OF CUMBERLAND , PENNSYLVANIA
In re: Estate of NANCY W. RUMBERGER ' Deceased
No. 1994-00756
TO: Amy R. palma
c/o Dalton L. Rumberger
27 Derbyshire Drive
carlisle, PA 17013
NOTICE OF BENEFICIhL INTEREST IN ESThTE
~o Beneficial interest
Name of decedent NancV W. Rumberaer
Last known address 27 Derbvshire Drive. carlisle. PA 17013
Date of Death June 6. 1994
Place of Death cumberland
county of grant of original letters Testamentarv
Decedent died
x
testate
intestate.
A copy of the will
is
x
is not attached.
Name(s), addresS (es) and telephone number(s) of all personal
representatives appointed:
palton L. Rumberaer. 27 Derbvshire Dr.. carlisle. PA 17013
Telephone 1717\ 243-3149
Name(s), address (es) and telephone number(s) of all counsel:
Name FAYMOND R. GOEHRING. JR.. ESOUIRE Telephone: (412) 281-0587
Goehring, Rutter & Boehm, 1424 Frick Bldg, pittsburgh, PA 15219
Date: MaV 3. 1995
Ob~~rSigned:
signature
Additional information may be
,Name RAYMOND R. GOEHRING. JR.. ESO.
AddresS Goehring, Rutter & Boehm
1424 Frick Building
pittsburgh, PA 15219
Telephone (412) 281-0587
capacity:
personal Representative
xxx
counsel for personal
Representative
.' ..
FIRST AND FINAL ACCOUNT AND
PROPOSED DISTRIBUTION FOR
DALTON L. RUMBERGER, EXECUTOR
OF THE
ESTATE OF NANCY W. RUMBERGER, DECEASED
Late of 27 Derbyshire Drive,
South Middleton Township
Cumberland County, PA
FILE NO. 1994-00756
PA FILE NO. 2194-0756
Date of Death:
Date of Executor's Appointment:
Date of First Advertisement of Letters:
Accounting for the Period:
June 6, 1994
February 14, 1995
March 7, 1995
June 6, 1994
January 17, 1996
Purpose of Account:
The Executor offers this account to
acquaint interested parties with the
transactions that have occurred during
his administration
It is important that the account be carefully examined. Requests
for additional information or questions or objections can be
discussed with:
Robert J. Winters, Esquire
PA I.D. #28758
Raymond R. Goehring, Jr., Esquire
PA LD. #00601
Goehring, Rutter & Boehm
Firm #102
1424 Frick Building
Pittsburgh, PA 15219
(412) 281-0587
, .
ESTATE OF NANCY W. RUMBERGER, DECEASED
SCHEDULE A: PRINCIPAL-PERSONALTY
RECEIPTS
PER INVENTORY
06/06/94 Assets listed in Inventory per copy
attached (Exhibit 1)
$ 8.740.00
$ 8,740.00
,
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ESTATE OF NANCY W. RUMBERGER, DECEASED
SCHEDULE B: PRINCIPAL-REALTY
RECEIPTS
PER INVENTORY
06/06/94 Assets listed in Inventory
per copy attached (Exhibit 1) and
more particularly described in
Exhibit 2 attached $ 205.000.00
$'205,000.00
....
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
IN THE MATTER OF
THE ESTATE OF
NANCY W. RUMBERGER
DECEASED
ORPHANS' COURT DIVISION
No. 1994-00756
PROPOSED PETITION FOR DISTRIBUTION
TO THE HONORABLE, THE JUDGES OF SAID COURT:
The Petition of Dalton L. Rumberger, Executor respectfully
represents as follows:
1. The decedent died June 6, 1994, testate, and at that time was
domiciled in cumberland County, Pennsylvania.
2. Letters Testamentary on her estate were granted on the 14th
day of February, 1995, the above-captioned proceeding.
3. There are no additional receipts of principal, disbursements
or administrative expenses anticipated.
4.
The
balance for distribution is the
Mink Jacket
Jewelry
Real Estate Located at:
27 Derbyshire Drive
Carlisle, Cumberland Cty, PA
205.000.00
$ 213,740.00
following personalty:
$ 450.00
8,290.00
REMAINING BALANCE FOR DISTRIBUTION
5. petitioner proposes to distribute the remaining balance of the
estate as follows:
TO: Dalton L. Rumberger
Tangible Personal
Property consisting of:
Mink Jacket $ 450.00
Jewelry 8.290.00
TOTAL...................$ 8,740.00
TO: Dalton L. Rumberger and
Mellon Bank, N.A.,
Co-Trustees in the Nancy
W. Rumberger Trust Fund B,
dated November 12, 1992
Real Estate at:
27 Derbyshire Dr
Carlisle,
Cumberland Cty, PA S 205.000.00
TOTAL. . . . . . . . . . . . . . . . . . . $ 205,000.00
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6. To the best of Petitioner's knowledge, there are no unpaid
creditors or claims against the estate.
7. Petitioner has given written notice of the filing of the
account and of the call thereof for audit confirmation to all
persons having interests as heirs as follows:
a) Decedent's Spouse and Co-Trustee,
Dalton L. Rumberger
27 Derbyshire Drive
Carlisle, PA 17013
b) Decedent's Son,
Jeffrey S. Rumberger
107 Gladewood Lane
Hurricane, WV 23133
c) Decedent's Daughter,
Sue R. Foster
1108 Johanna Bay Dr.
Midlothian, VA 23113
d) Decedent's Daughter,
Amy R. Palma
27 Derbyshire Drive
Carlisle, PA 17013
e) Decedent's Daughter,
Jane Elizabeth Rumberger
136 Jarod Dr.
Coraopolis, PA 15108
f) Co-Trustee of Decedent's Trust,
Mellon Bank, N.A.
c/o Robert Anderson
One Mellon Bank Center
Pittsburgh, FA 15258-0001
Dated
//v;h-(
Respectfully submitted,
GOEHRING, RUTTE~BOEHM
By: ~~cL:~&
Rb~~~lnters, Esquire
By: ~t~,,/
Raymond R. Goehr ng, Jr., Esqu re
-7-
, FORM 16/1EO, WILLS
INVENTORY
of .11 ,..1 .nd p.rlon.1 ....1. of Nancy W. Rumb"r~..r
dece.sed, lell of 27 Derbyshire Driye. Carlisle
CnunGer .,11 .......,
South Middleton Township
(Borough or Town.~1
who dl.d June 6. 1994
(dale 01 dc."~
d Idyl
. ~~'e'ounIY. P.nn.ylv.nl.. 170 13
I~Cod.1
PERSONAL ESTATE SCHEDULE
1.
Mink Jacket - Value per Appraisal
$
450.00
8,290.00
2.
Jewelry - Value per Appraisal
TOTAL PERSONALT'i
$ 8,740,00
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Exhibit 1-1
REAL ESTATE SCHEDULE
REAL ESTATE IN PENNSYLVANIA
(Description mUlt be adequate to Identlly the property.
Mortagages. Judgmenla and other encumbrance. on
real estate should be noted.)
1. House and Lot located at:
27 Derbyshire Drive
Carlisle, Cumberland County, PA
Deed Book 35-X, Page 17
Value per appraisal
$ 205,000.00
Exhibit 1-2
MEMORANDUM OF REAL ESTATE OUTSIDE
, THE COMMONWEALTH OF PENNSYLVANIA
(Do not Include value In total of the Inventory)
NONE
,..,-.
Exhibit 1-3
AFFIDAVIT OF EXECUTOR OR ADMINISTRATOR
QlPltuuPltwfaltl, of IIflt1t1luluanla }
55:
Qlpuntu pf ~tl"4~I~.r/w;t
Cumberland
Notary Public
Personally before me, the undersigned aulhority, D
and 510112, eppeared nnl ton" T. Rllrmf'lrgf'lr
to IIW, depoMs and says thai h. II the executor or administrator of the estate of
N8n~v W. Rumberu:er , deceased, thai the foregoing schedule. constllute a complete Inventory
and appralsemenl of Ihe real and personal ellale of Nancy W. Rumberl!er
decea..d, excepl real ellale oulslde the Commonweabh of Pennsylvania, Ihallhe figures oppollte each Mom 01 real and penonal
e"ale In Ihe fOle A ne an ted by the undersIgned 10 be Ihe fair value of said Items as of Ihe date 01
Ihe decedenl'. d alh'DAWN M. SHUGHART. Notary Public
Carlisle. Cumberland County
M Commlsslo Ex Ires Nov. 28 1998
In and for said Counly
who, beIng duly Sworn according
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ADDITIONAL INSmUCTlONS
1. The Invontory shall bo fUed no laler Ihan tho dalo Iho accounlls flied or Ihe duo dale, Including any exlenslon, for Iho filing of
Iho InherManee Tax Re1um (9 monlh. from Iho dale of death) whichever comes flrll.
2. A supplomenlallnvenlory mull bo flied within Ihlrty days of discovery of addlllonal assel..
3. An orlglnal and Iwo copies musl Ix! flied.
4. AddMlonal shoel. may be allached a. to penonaby or reaby.
5. Soe Sed Ion 3301 el seq. of Ih. Probate Ellal.. and Flduclarle. Cod. 011972, a. amended.
6. Tho Inventory mull be Iyped.
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ESTATE OF NANCY W. RUMBERGER, DECEASED
EXHIBIT 2: DESCRIPTION OF REAL ESTATE
ALL that certain lot or parcel of land situate
Township, Cumberland County, Pennsylvania,
bounded and described as follows:
in South Middleton
more particularly
.
BEGINNING at an iron pin on the easterly right-of-way line of
Derbyshire Drive, a 50 foot wide right-of-way, which said point is
more particularly located at the intersection of the easterly
right-of-way line of Derbyshire Drive and the dividing line between
Lots Nos. 12 and 13 on the Plan of Lots known as "Final Plan for
Mayapple Village, Derbyshire Lots 1-39"; thence from said point of
beginning along the dividing line between Lots Nos. 12 and 13 on
the aforesaid Plan of Lots, South 74 degrees 12 minutes 12 sp.conds
East, a distance of 142.55 feet to a concrete monument on the
property line of other land of Mayapple Village as shown on the
aforesaid Plan of Lots; thence from said concrete monument along
the property line of other lands of Mayapple Village, South 21
degrees 00 minutes 23 seconds West, a distance of 122.18 feet to an
iron pin on the dividing line between Lots Nos. 13 and 14 on the
aforesaid plan of Lots; thence from said iron pin along the
dividing line between Lots Nos. 13 and 14, North 61 degrees 43
minutes 50 seconds West, a distance of 140.70 feet to an iron pin
on the easterly right-of-way line of Derbyshire Drive; thence from
said iron pin along a curve to the left having a radius of 350.00
feet, an arc distance of 91.74 feet along a chord bearing of North
19 degrees 30 minutes 34 seconds East, a chord length of 91.48 feet
to the point and place of beginning.
BEING Lot No. 13 containing .3409 acres on the Plan of Lots known
as "Final plan for Mayapple Village Derbyshire Lots 1-39," prepared
by Statler-Brehm, Engineering and Planning Consultants, dated
January 26, 1989, and recorded in the Office of the Recorder of
Deeds of Cumberland County, Pennsylvania in Plan Book 58, page 68-
A.
,
I
UNDER AND SUBJECT to building setbacks as set forth on the above
mentioned plan, being a 30 feet front setback line, a 40 feet rear
setback line, and a 10 feet side setback line.
ALSO UNDER AND SUBJECT to the restrictions as more particularly set
forth in the Declaration of Covenants and Restrictions dated June
16, 1989, made by 539 Development Company, and recorded in the
Office of the Recorder of Deeds of Cumberland County, Pennsylvania
on June 16, 1989, in Misc. Book 365, Page 566; the Supplemental
Declaration of Covenants and Restrictions dated October 16, 1989
made by 539 Development Company recorded on October 16, 1989 in
Misc. Book 370, page 720; the Amended Supplemental Declaration of
Covenants and Restrictions dated October 17, 1990, made by 539
Development Company, and recorded in the Office of the Recorder of
Exhibit 2-1
'.
ESTATE OF NANCY W. RUMBERGER, DECEASED
EXHIBIT 3: INFORMATION SCHEDULE
DISBURSEMENTS FOR ESTATE EXPENSES
PAID BY NANCY W. RUMBERGER TRUST
12/95
FUNERAL EXPENSES
Reimburse Dalton Rumberger for
Costs Advanced:
Cedar Hill Cemetery - burial plot $ 308.33
Cedar Hill Cemetery - Grave Opening 200.00
Aurand Funeral Home - funeral 6,108.78
Aurand Monuments - memorial 1,852.00
Aurand Monuments - inscription on memorial 50.00
Dielh's Florist - funeral flowers 116.60
Dr. H. Pat Albright - Minister's fee 150.00
Williams Family Rest. - funeral meal 132.00
12/95
FAMILY EXEMPTION
Dalton L. Rumberger, Family Exemption
ADMINISTRATIVE EXPENSES
12/95
12/95
12/95
Goehring, Rutter & Boehm - Atty Fees $
Reimbursement of Costs advanced
by Goehring, Rutter & Boehm:
Register of Wills - short certificate
The Patriot News - legal notice
Cumberland Law Journal - legal notice
Federal Express - mail
Long Distance Telephone Charges
Reimburse Dalton Rumberger for
costs advanced:
Register of Wills - Probate
Register of Wills - File Inventory
Register of Wills - File Inh. Tax Ret.
Muscalus Furs - appraisal - mink jacket
Munn's Diamond Gallery - jewelry
appraisal
Rowe's Antiques - appraisal TPP
Steven W. Barett R. E. - R.E. appraisal
Exhibit 3-1
$ 8,917.71
s
2.000.00
$ 2,000.00
13,000.00
3.00
44.56
40.00
64.25
3.75
293.00
16.00
15.00
30.00
120.00
85.00
250.00
$ 13,964.56
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
ORPHANS' COURT DIVISION
IN THE MATTER OF
Nancy W. Rumberger
Trust Fund B, dated
November 12, 1992
File No.
PETITION FOR LEAVE TO SELL REAL ESTATE AT PRIVATE SALE
AND BY A CO-TRUSTEE TO PURCHASE AT SUCH SALE
TO THE HONORABLE, THE JUDGES OF THE SAID COURT:
The petition of Dalton Rumberger and Mellon Bank, N.A., Co-
Trustees under the last will of Nancy W. Rumberger, Deceased
respectfully represents:
1. That Nancy W. Rumberger, died on the 6th day of June,
1994, having first made, published and declared her last Will and
Testament, a copy of which is annexed hereto as Exhibit "A," dated
November 12, 1992, duly probated in the office of the Register of
wills of Cumberland County, wherein and whereby she did devise and
bequeath the residue of her estate to her trustees to hold as part
of the Trust Estate under the Nancy W. Rumberger Revocable Deed of
Trust dated the 12th day of November, 1992, a copy of which is
attached hereto as Exhibit "B."
2. That the Nancy W, Rumberger Revocable Deed of Trust
established Dalton L. Rumberger and Mellon Bank, N.A. as trustees.
3. That among the assets of Nancy W. Rumberger was real
property located at 27 Derbyshire Drive, Carlisle, South Middleton
Township, Cumberland County, Pennsylvania, occupied and used by the
said Dalton L. Rumberger as his residence. The said real property
was distributed to the Nancy W. Rumberger Trust Fund B by Decree
.
,
.
-
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"-
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.
<,
Awarding Real Estate dated April 3, 1996, a copy which includes a
legal description of the property is attached hereto as Exhibit
"C."
4. To the best of Petitioner's knowledge, there are no liens
against the aforesaid premises.
5. There are no mortgages on the property.
6. The said property is assessed at $16,740 as shown by the
Cumberland County Real Estate Tax bill dated March 1, 1996 hereto
annexed as Exhibit "D. II When the assessed value of the property is
multiplied by cumberland County's Common Level Ratio Real Estate
Valuation Factor of 14.29, the fair market value of the property is
$239,214.60. Since that value is significantly higher than current
appraisals of the property, an appeal of the assessed value will be
filed shortly.
7. That the current use of the said property is as a
residence.
As such, the real estate incurs liabilities but no
income. Your petitioners are of the opinion that the real estate
should be sold and the proceeds be invested in income producing
assets.
8. A private sale of the real estate would avoid realtors'
commissions, thereby the proceeds of the sale would be greater than
could be obtained for the same property at public sale.
9. That the said Dalton L. Rumberger desires to purchase the
said real property from the Nancy W. Rumberger Trust Fund B for the
price of $207,000 in cash payable immediately, but being a purchase
by a trustee at his own sale, the power of sale given the trustee
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,
,
,
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under the will is inoperative and it is necessary that he obtain
the approval of your Honorable Court in so doing.
10. Subject, therefore, to the approval of your Honorable
Court, the premises hereinabove described together with the
buildings and improvements thereon erected shall be sold at private
sale to Dalton L. Rumberger, for the price or sum of $207,000,
clear of encumbrance, from which is to be paid in cash immediately.
11. Your petitioners are of the opinion that the price
offered for the said real estate is full and fair and the net
proceeds to the Nancy W. Rumberger Trust Fund B are greater than
could be obtained for the same at public sale, and that it would be
for the best interest and advantage of the Nancy W. Rumberger Trust
Fund B, and the parties interested therein, that the said sale be
consummated in accordance with the terms hereinabove set forth.
12. Your petitioners have been assured by two real estate
experts, unrelated to the parties, and unconnected with the Nancy
W. Rumberger Trust Fund B, and having no interest whatever in the
subject matter of this petition, the said experts being experienced
in the values of property in the neighborhood of those hereinabove
referred to, that the price offered for the same as a whole is full
and fair and better that could be obtained at public sale, and
appraisals and affidavits to this effect are hereto annexed as
Exhibits "E" and "F."
13. The said Nancy W. Rumberger was survived by her spouse,
Dalton L. RUmberger, her son Jeffrey S. Rumberger and her daughters
Sue R. Foster, Amy R. Palma and Jane R. Long.
" .
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14. That all parties of interest in the said trust have
received notice of the intended presentation of this petition, are
satisfied that the price offered for the said premises is a full
and fair one and better than could be obtained at public sale, and
that the acceptance of the same will be for the best interest and
advantage of the said Nancy W. Rumberger Trust Fund a and all
parties consent to this Petition and agree that the private sale of
the above-described realty be authorized and approved in accordance
with this Petition.
WHEREFORE, Dalton L. Rumberger, one of your petitioners,
therefore, prays your Honorable Court for leave and authority to
purchase the premises hereinbefore set forth from the Nancy W.
Rumberger Trust Fund B, for the price of $207,000, payable as
aforesaid; and Mellon Bank, N.A., one of your petitioners, prays
your Honorable Court for leave and authority to sell and convey the
said premises, for the price of $207,000, payable as hereinabove
set forth, said conveyance to vest the title in the purchaser in
fee simple, freed and discharged of all trusts, contingencies and
remainders, and indefeasible by any party or persons having a
present or expectant interest therein,
Respectfully submitted,
by:
GO~~9~RUTT~~f~E M
I 1-.dVt'i., :ht/P-6;Z:"
Robert J. Wi ters, Esquire
Attorneys for Dalton Rumberger and
Mellon Bank, N .A., as Co-Trustees of
the Nancy W. Rumberger Trust Fund a,
dated November 12, 1992
Dated:
1/ tjct~~
, 1996
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
ORPHANS' COURT DIVISION
IN THE MATTER OF
Nancy W. Rumberger
Trust Fund B, dated
November 12, 1992
File No.
CONSENT
I, Sue R. Foster, being an intestate heir and next-of-kin of
Nancy W. Rumberger and also being a remainder income beneficiary of
the Nancy W. Rumberger Trust Fund B, do hereby consent to the
-private sale of the real estate of the Nancy W. Rumberger Trust
Fund A at 27 Derbyshire Drive, carlisle, south Middleton Township,
cumberland County, pennsylvania, to Dalton L. Rumberger, for the
sum of $207,000 and do hereby waive any further notice of the
presentment of the petition or other proceedings.
WITNESS my hand and seal this 3J day of #mb r
1996.
~ --)Al r:f? f[JrLk J
Sue R. Foster
Witness:
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IN THE COURT OF COMMON PLEAS OF CUMBI::RLI\ND COUN'l'V, PENNSVLVI\NIA
ORPHI\NS' COURT DIVISION
IN THE MATTER OF
Nancy W. Rumberger
Trust Fund a, dated
November 12, 1992
File No.
CONSENT
I, Jane R. Long, being an intestate heir and next-of-kin of
Nancy W. Rumberger and also being a remainder income beneficiary of
the Nancy W. Rumberger Trust Fund B, do hereby consent. to the
pri vate sale of the real estate of the Nancy W. Rumberger Trust
Fund A at 27 Derbyshire Drive, Carlisle, South Middleton Township,
Cumberland County, Pennsylvania, to Dalton L, Rumberger, for the
sum of $207,000 and do hereby waive any further notice. of the
presentment of the petition or other proceedings.
WITNESS my hand and seal this -.t,\'\k day of s..c...f'~~t<\...
1996.
~r'-'- --f(, ~
ane R. Long .
W~y~
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
ORPHANS' COURT DIVISION
IN THE MATTER OF
Nancy W. Rumberger
Trust Fund B, dated
November 12, 1992
File No.
AFFIDAVIT
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
ss:
Before me, the undersigned authority, a notary public, in and
for said County and Commonwealth, personally appeared DALTON L.
RUMBERGER, who being duly sworn according to law, deposes and says
that the averments of fact contained in the foregoing Petition are
true and correct to the best of his knowledge, information and
belief.
Sworn to and subscribed
before me this ~ 7
dJ~:~'P}fr~~ ' ~;~,
Notary Pub~c ~
My commission expires:
NOTARiAl SEAL
DAWN M. SHUGHART, Notary Public
Catllslo, Cumbotland County
My Commission Explros Nov. 28, 1998
..
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
ORPHANS' COURT DIVISION
IN THE MATTER OF
Nancy W. Rumberger
Trust Fund B, dated
November 12, 1992
File No.
APPIDAVIT
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF ALLEGlIENY
DSI
Before me, the underoigned authority, a notary public, in and
for said County and Commonwealth, personally appeared JAMES R.
WILHARM, ASSISTAN1' VICE PRESIDENT, MELLON BANK, N.A., who being
duly sworn according to law, deposeD and says that the averments of
fact contained in the foregoing Petition are true and correct to
the best of his knowledge, information and belief.
~. W;p,~
James R. Wilharm
Assistant Vice President
Mellon Bank, N.A.
Sworn to and su~p~ribad
before me this
.30""
day of :Jt/JTf}-/{'J'{r, 1996.
"~r'd;{ --l1~I''1 a~l~t"~,1
Notary pu c
My commission expiresl
Nota,lal Seal
Edllh FhzpRlrick, Nolary Public
Pillsburgh, AI/oghcny County
My Commission E'plrea Jan, 12, 199B
yIWnoa 01
.
Doc. #9339
Oct 27, 1992
9:0(iam
WI
SLR
TRUST on the terms and conditions specified in said Deed of Trust
on the date of this Will or of the last Codicil hereto, with like
effect as if they were set forth herein verbatim.
FOURTH: (A) I appoint my husband, DALTON L. RUMBERGER,
Executo~ of this my Will. In case of his inability or unwilling-
ness to act or to continue to act as my Executor, I appoint my
son, JEFFREY S. RUMBERGER, as Executor in his place. In case of
his inability or unwillingness to act or to continue to act as my
Executor, I appoint my son-in-law, THOMAS J. FOSTER, as Executor in
his place. In case of his inability or unwillingness to act or to
continue to act as my Executor, I appoint MELLON BANK, N.A., as
Executor in his place.
(B) I give to my Executor, in addition to the
authority conferred by law, the power to sell any or all of my
property, real or personal, at pUblic or private ~ale, at such time
and for such price and upon such terms and conditions as it may Bee
fit, or in its discretion to retain the same for distribution in
kind, and the power, but not the duty, to invest any cash without
being limited to "legal" investments.
(C) No bond shall be required of any fiduciary
hereunder in any juriSdiction. No fiduciary hereunder shall have
any liability for any mistake or error of judgment made in good
faith.
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Doc. #9339
Oct 2", 1992
9: Oc'am
WI
SLR
FIFTH: I realize that executors and trustees are given
discretion by law to make various elections which affect the income
and estate taxes payable by estates, trusts and beneficiaries, as
well as the relative shares of beneficiaries, such as taking
administration expenses as deductions for either estate or income
tax purposes, selecting options for the payment of employee death
benefits, electing to take qualified terminable interests as part
of the marital deduction, selecting alternate valuation dates,
postponing the payment of taxes, filing joint income tax or gift
tax returns, allocating my exemption from generation-skipping tax,
filing estimated income tax returns and making payments thereon,
and redeeming corporate stock. The decisions made by my fiducia-
ries in any of these matters shall be binding upon, and not subject
to question by, any affected persons; PROVIDED, however, that if a
corporate fiduciary is serving, its decision shall also be binding
upon any individual CO-fiduciary. I authorize my Executors to
disclaim interests in property without court authorization. I rely
upon my f iduciar ies to take into cons idera tion the tota I income and
estate taxes payable by reason of their decisions, inclUding those
payable by my survivors, and they are authorized in their discre-
tion, but not required, to make adjustments between income and
principal as a result the roof . They are specifically authorized to
filo a joint income tax return with my husband or his personal
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Doc, ';9)39
Oct 2'1, 1992
lj: lj(,hjrn
WI
SLR
representative for any period during which such a return is
permitted, without requiring him or his personal representative to
sign an indemnification agreement.
SIXTH: (A) If any beneficiary entitled to a share
hereunder is under the age of twenty-one (21) years, my Executor
may deliver it to any individual or corporation selected by them as
custodian for him or her under the Pennsylvania Uniform Gifts or
Transfers to Minors Act.
(B) If the state in which I am domiciled at the
time of my death does not permit the use of a custodian under the
Uniform Gifts or Transfers to Minors Act, or if my Executor fails
to appoint such a Custodian, then I appoint MELLON BANK, N.A., as
guardian of the estate of any minor receiving any sums of money,
real property or other intangible personal property free of trust
by reason of my death, if such property is in excess of the amount
which may be paid to the natural guardian; and I authorize said
guardian, in its sole discretion and without order of court, to
retain such property in kind or to sell the same, giving good title
to any real estate, to invest and reinvest without being limited to
"legal" investments and to use both income and principal for the
minor's welfare, comfortable support and education, including
college expenses.
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Doc, #9339
Oct 27, 1992
9:06ilm
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SEVENTH: I direct that all estate, inheritance and
other taxes in the nature thereof, together with any interest and
penalties thereon, becoming payable because of my death with
respect to the property constituting my gross estate for death tax
purposes, whether or not such property passes under this Will,
shall be paid from the principal of my residuary estate; and no
person receiving or having a beneficial interest in any such
property whether under this Will or otherwise, shall at any time be
required to contribute to or refund any part thereof; PROVIDED,
however, that this direction shall not apply to the taxes on any
property included in my estate solely because of a power of
appointment thereover which I possess but have not exercised or on
any qualified terminable interest.
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ACKNOWLEDGMENT
COMMONWEALTH OF PENNSYLVANIA
)
) ss:
)
We, NANCY W. RUMBERGER, ~/aIl1~ L.,Ji/,J/u-
..j2'/i/';/J L. :; i ~Ci.'A l-L. , and ~n',<I;..... M. I--ftV'i.'n , the
Testatrix and the witnesses, respectively, whose names are signed
to the foregoing Will, being first duly sworn according to law, do
depose and say that the Testatrix signed and executed the foregJing
instrument as her Will, that she signed willingly, that she
executed it as her free and voluntary act for the purposes therein
expre3sed, that each of the witnesses, in the presence and hearing
of the Testatrix, signed the will as witnesses and that to the best
of the knoWledge of each of them the Testatrix was at that time
eighteen (18) years of age or older, of sound mind and under no
constraint or undue influence.
COUNTY OF ALLEGHENY
I . .
,~ ''i'''~~~y
I "'.
- ..~. ..
.u.I.'~/A.'11
W. Rumberger
(Testatrix)
~~M&_<-
(Witness)
,I f..'-7i n.,,_ :/, JtL1<LLf!... (Witness)
, .
t'~.~ ;?n.~
(Witness)
Subscribed, SWorn to and acknoWledged before me by NANCY
W. RUMBERGER, the Testatrix, and subscribed and SWorn to before me
by fit;, t'lt L. ;I/It///,., .J,r.lil.. J.., :... '.l ',10/' LL- , and
f'1.......".n.. M. loA",,/.,... , witnesses, this I,J ~ day of
No..........te.r-,. , 1992.
(SEAL)
tlotanal Se.1I
Rcbon J. Wontllo... NoI,!)' FlbIe
P,t:;W'lih. A",,"Oooy Ccunly
My('.c.mrr'~Jr.rl["p'r~sA:.xJ " lW,
'.!:';~I)':~. ~'O-v,.~j.......:!, .:axi~ol':'. dTl'" l!'CJ
:~~
.
tKII'.IIHINt! MHrWM" IIIJlJIM ..,W M Ie 0" 11. IIN} 'IUtllI.. 1~1l.' /I'il.tH
lID CDUjibO@&'iM
[0Uuuwll~tAl~
iHE WITHIN IS HEREBY CERTIFIED
o ~ ~ rt J..~2.E,CT COPY.
NANCY W. RUMUERGER
REVOCAULE DEED OF TRUST
This Revocable Deed of Trust is made this
"t'
;'2 '.!J.. day of
November, 1992.
NANCY W. RUMBERGER, of County of Cumberland, Commonwealth
of Pennsylvania, as the Settlor, and DALTON L. RUMBERGER, as the
individual Trustee, and MELLON BANK, N.A., a national banking
association authorized to engage in trust business in the Common-
wealth of Pennsylvania, as the corporate Trustee, hereby agree as
follows:
ONE:
The Settlor hereby transfers and delivers to the
Trustees the property listed in Schedule "A" attached hereto,
together with all her interest therein. The Trustees shall hold
said property, together with any additions thereto as hereinafter
provided, as a Trust Estate, shall invest and reinvest the same and
shall distribute the net income (hereinafter called "Income") and
principal as set forth in the following provisions.
(A) During the Settlor's lifetime, the Trustees
shall pay to her or for her benef i t such sums from Income and
principal as she may direct in writing; PROVIDED, however, that in
the event of the Settlor's mental or physical incapacity, as
certified to the Corporate Trustee by her personal physician, the
Corporate Trustee shall expend both Income and principal to such
extent and in such manner as it in its discretion deems advisable
"XIIIIlIT "II"
.
. . .
lillrlIHINIIHIII'II'H.\Il11UIM HJW!'II" 11.1" I'Nl lI\f'I.lI11 H,,"""I
for the welfare and comfortable support of the Settlor during such
period of incapacity.
(B) Upon the Settlor's death, the Trustees are au-
thorized to pay to the personal representative of her estate or to
expend directly such sums as said personal representative shall
request in writing to supplement her estate in order to pay debts,
funeral expenses, death taxes, particular legacies and adminis-
tration expenses; PROVIDED, however, that no assets shall be used
for this purpose which are not otherwise included in the Settlor's
gross taxable estate; and PROVIDED, further, that if the Trust
Estate contains any United States government bonds which are
redeemable at par in payment of Federal estate taxes, the Trustees
shall apply them directly in payment of the Settlor's said taxes,
regardless of the sufficiency of assets in her estate or any
direction in her will to pay all such taxes from her probate
estate. subject to such payment, the principal remaining at the
settlor's death and any accrued or undistributed Income shall
continue in trust as provided in Article Two below.
TWO:
If the Settlor's husband, DALTON L. RUMBERGER,
survives the Settlor, the Trustees shall divide the remaining Trust
Estate into two (2) separate parts, designated Fund A and Fund B.
If the Settlor's husband predeceases her, the Trustees shall hold
all the Trust Estate as Fund B. The Trustees shall distribute the
net income (hereinafter called "Income") and principal of said
Funds in accordance with Articles THREE and FOUR below. The
division into Fund A and Fund B shall be made as follows:
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IitJFlUtlNII HHnL".\ IIClIJIM IUW M" 0.1.'1 I'N,I'1l "'l.tlll u:.. I'M"
(A) Fund A shall consist of a fractional share of
the Trust Estate as defined in paragraph (0) below. The numerator
of the fraction shall be the minimum amount necessary to reduce the
Settlor's Federal estate tax (exclusive of any tax imposed under
section 4980A(d) of the Internal Revenue Code) to zero after the
use of the unified credit and any other credits available to her
estate (exclusive of any credits the use of which would increase
her total death taxes). The denominator of such fraction shall be
the value of the Trust Estate as finally determined for Federal
estate tax purposes prior to the payment of death taxes therefrom.
Fund B shall consist of the other fractional share. Any death
taxes payable from the Trust Estate shall be charged against Fund
B, as well as any administration expenses which are not allowed as
estate tax deductions. This fraction shall be computed as if all
qualified terminable interests were elected as part of the marital
deduction on the Settlor's Federal estate tax return, regardless of
the election actually filed.
(B) For the purpose of this division, the Trust
Estate shall include any insurance proceeds or other items paid
directly to the Trustees and forming part of the Settlor's taxable
estate for Federal estate tax purposes. Any items paid directly to
the Trustees and not forming part of the Settlor's taxable estate
shall be added to Fund B, in addition to the fractional share
hereinabove specified, and shall not be used for the payment of
death taxes or administration expenses.
(e) The Trustees need not make a pro rata division
of each asset, but may allocate different kinds of or interests in
property to each fund, so long as the total market value of each is
- J -
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IHIEIUUNIIH't1'1"1Ut& IUIUIM HJW SIN (hl/I,IIl'4! ""'I~IU lh..'r~,.,'
not affected. There shall not be allocated to Fund A any property
or the proceeds of any property which does not qualify for the
marital deduction.
(D) If any portion of the Settlor's Individual
Retirement Account benefits or qualified employee plan benefits are
used to fund Fund A, the Settlor's husband shall have the power to
direct the Trustees to exercise their right to withdraw any part or
all of the ordinary income earned on the benefits during any year,
in which case the amount so withdrawn shall be allocated to Income.
All other payments of such benefits received by the Trustees shall
be allocated to principal. If the Trustees do not have the right
to withdraw any part or all of the ordinary income earned on the
benefits during a particular year, then the Settlor's husband shall
have the power to require the Trustees to payout of any other
assets of Fund A an amount equal to such ordinary income.
(E) If the Settlor and her husband die under such
circumstances that there is no sufficient evidence that they have
died otherwise than simultaneously, it shall be conclusively
presumed for the purpose of this Article that the Settlor's husband
survived her.
THREE:
this Article.
Fund A shall be held in the manner set forth in
(A) Fund A shall be divided into two separate
PaLts, and each Part shall be held as a separate trust. Part One
shall be a portion equal to so much of the Settlor's remaining
exemption from generation-skipping transfer tax as cannot be
allocated to Fund B. Part Two shall be the other portion.
- 4 -
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"iClHIHINd Hlln I:w,\ HoHIM lUW !'lIlt u,t }/, I~~! "\hJlIl (I" ..,.,1/
(1) During the lifetime of the Settlor's
husband, DALTON L. RUMBERGER, the Trustees shall pay the Income
from both Parts to him or for his benefit, in quarter-annual or
more frequent installments. In addition, the Trustees shall pay to
or for the benefit of the Settlor's husband from the principal of
Part Two or, if it has been exhausted, from the principal of Part
One, an amount equal to the Income of Fund B. The Corporate
Trustee may expend in addition such sums from the principal of Part
Two or, if it has been exhausted, from the principal of Part One,
as the corporate Trustee considers advisable for his support and
maintenance. If any unproductive assets are held in either Part,
the Settlor's husband may require that they be converted into
income-producing assets within a reasonable period of time.
(2) Upon the death of the Settlor's husband,
any Income accrued or on hand shall be paid to his estate, and the
Trustees shall pay to his personal representative or directly to
the taxing authorities from the principal of Part Two and, to the
extent it is insufficient, from the principal of Part One, such
amount, if any, as his personal representative certifies to be the
additional death taxes reSUlting from the inclusion of Fund A in
his estate for tax purposes. The rest of both trusts shall be dis-
tributed outright to or on further trust for such one or more of
the Settlor's descendants as the Settlor's husband directs by
specific reference to this provision in his Will. Any unappointed
portion shall be added to Fund B.
(B) The right of the Settlor's husband to the
Income shall not be subject to assignment, alienation, pledge,
attachment or claims of creditors.
- 5 -
"IIlIIlHNI;~llnllt,\ lUll 11M 111\\ "11111.1 't l'I'j.' . ",~'" II.. "...'1'
(e) If the Settlor'" husb,md diuclaims hi" interest
in any portion of Fund A, such portion shall be added to Fund B,
and the Settlor's husband shall h.lve all the rights therein
hereinafter set forth with the exception of any power of appoint-
ment. If the Settlor's husband dies before accepting any benefits,
his personal representative shall have the right to disclaim his
interest in all or a portion of Fund A.
FOUR:
this Article.
Fund B shall be held in the manner set forth in
(A) The Trustees shall invest and reinvest Fund B
and shall distribute the Income and principal as follows:
(1) During the lifetime of the Settlor's
husband, DALTON L. RUMBERGER, if he survives the Settlor, so long
as Fund A has not been exhausted, the Trustees shall accumulate the
Income and add it to principal and invest it as such. If Fund A
should become exhausted during the lifetime of the Settlor's
husband, the Trustees shall pay the Income of Fund B in quarter-
annual or other convenient installments to or for the benefit of
the Settlor's husband, and the corporate Trustee may also expend
such sums from principal as the corpora~e Trustee considers
advisable to provide for the support and maintenance of the
Settlor's husband, in view of other readily available funds of
which the corporate Trustee has knowledge. Upon the death of the
Settlor's husband, the principal shall be distributed outright to
or on further trust for such one or more of the Settlor's descen-
dants as he directs by specific reference to Fund B in his Will.
- 6 -
liIlIIUHNli..Urll...\ 1\111 11M lOW 'I M 0.1'" 1"'1," II 'rum II.. r",1I
(2) I f the Settlor's husband, DAL'l'ON L.
RUMBERGER, is not living at the Settlor's death or in the event he
dies thereafter without exercising his power of appointment in
full, the unappointed principal of Fund B and any additions from
Fund A, the Settlor's husband's estate or elsewhere shall be
divided into four (4) equal shares for the Settlor's children, SUE
R. FOSTER, JEFFREY S. RUMBERGER, JANE R. LONG and AMY R. PALMA, and
each share shall be held as a separate trust or, in the case of a
deceased child, shall be distributed as is hereinafter set forth.
Each share may be satisf ied with assets which are exempt from
federal generation-skipping transfer tax or with non-exempt assets
or partially with each, so long as the market value remains the
same. The share of each living child shall be held as a separate
trust; PROVIDED, however, that unless said share is totally exempt
from federal generation-skipping transfer tax, it shall be divided
into two separate trusts, an Exempt Trust having an inclusion ratio
for the purposes of said tax of zero, and a Non-Exempt Trust having
an inclusion ratio of one. By written notice to the Corporate
Trustee, each of the Settlor's children shall have the right to
become a Co-Trustee with the corporate Trustee of his or her own
trust.
(a) The Trustees shall pay the Income
quarter-annually to or for the benefit of the Settlor's said child
and may expend in addition such sums from principal as the
corporate Trustee considers advisable, in view of other readily
available funds of which the corporate Trustee has knowledge, to
provide for the support and maintenance of the Settlor's said child
and his or her spouse and children, if any, including educational
- 7 -
'itll IlHINIIHllrll H." lull 11M HI\\" "'1" lid J!
. .
1'1'11 "'fl~lll lJ... rll"/
and funeral expenses.
In addition, the Settlor's said child may
withdraw portions of the principal of his or her Non-Exempt Trust
in accordance with the following schedule:
(i) After his or her thirtieth
(30th) birthday, one-third (1/3) of the principal;
(ii) After his or her thirty-fifth
(J5th) birthday, one-half (1/2) of the principal
not already subject to withdrawal;
(iii)
After his or her fortieth
(40th) birthday, any or all of the principal.
If the Settlor's said child has both an Exempt Trust and a Non-
Exempt Trust, all Income and principal distributions for his or her
,J
,.'
<..1'
Income from the l~ ....
. ;<
Exempt Trust shall be added to the principal thereof and invested ~.
)iT"' ,l
as such, and an equivalent amount of the principal of the Non- p"'(
.~, )
If the Non-Exempt Trust should Y
become exhausted during the lifetime of the Settlor's said child,
Exempt Trust shall be distributed.
benefit shall be made from the Non-Exempt Trust.
Income distributions and discretionary principal distribution, if
any, shall be made from the Exempt Trust.
(b) Upon the death of the Settlor's said
child, or upon the division into shares under this subparagraph (2)
in the case of a child who is not then living, the principal of the
Settlor's said child'S share shall be distributed outright to or on
further trust for such one or more of his or her descendants as the
Settlor's said child directs by specific reference to this
provision in his or her Will; PROVIDED, however, that the Settlor's
said child may also appoint the principal of the Non-Ex~mpt Trust
and any portion of either trust that he or she could have withdrawn
- 8 -
OOi:IUUNII Mtrnmt., Honlt.! HJW M It 1I.'t 1/, I'I~! "....h.uu 110.....,.'"
before death in favor of anyone. Any unappointed portion shall be
paid to the Settlor's said child's surviving issue, per stirpes,
subject to subparagraph (3) below, or, if he or she has none, shall
be added to the shares of the Settlor's other children and shall be
held or distributed as if the latter shares were being set apart at
that time. Each share for a grandchild of the Settlor may be
satisfied with assets which are exempt from generation-skipping
transfer tax or with non-exempt assets or partially with each, so
long as the market value remains the same.
(3) The share of any grandchild of the Settlor
shall be held or distributed as follows:
(a) Unless the share is totally exempt
from federal generation-skipping transfer tax, it shall be divided
into two separate trusts, an Exempt Trust having an inclusion ratio
for the purposes of said tax of zero, and a Non-Exempt Trust having
an inclusion ratio of one. During the lifetime of each grandchild,
the Trustee shall pay the Income from his or her trust quarter-
annually to or for the benefit of the Settlor's said grandchild,
and if the corporate Trustee considers the Income to be insuffi-
cient, in view of other readily available funds of which it has
knowledge, to provide for the support and maintenance of the
Settlor's said grandchild and his or her family, including
educational and funeral expenses, the Corporate Trustee is
authorized in its discretion to provide such sums from principal as
it deems advisable therefor; PROVIDED, however, that prior to said
grandchild's twenty-first (21st) birthday, the Trustee may add to
principal and invest as such any Income which it considers not to
be needed for such purposes. In addition, the Settlor's said
- 9 -
lillllUHNI; HII n I H.\ IItllllM HJW ~I ~ 1I,1!i I''''! . '''",Ill n,. "11'1'
grandchild may withdraw portions of the principal of his or her
Non-Exempt Trust in accordance with the following schedule:
(i) After his or her thirtieth
(Joth) birthday, one-third (l/J) of the principal;
(ii) After his or her thirty-fifth
(J5th) birthday, one-half (1/2) of the principal not
already subject to withdrawal;
(ili) After his or her fortieth
(40th) birthday, any or all of the principal.
If the Settlor's said grandchild has both an Exempt and a Non-
Exempt Trust, all Income and principal distributions for his or her
benefit shall be made from the Non-Exempt Trust; in particular,
Income shall be computed on the basis of both trusts, but shall be
taken from the Non-Exempt Trust. Income from the Exempt Trust
shall be added to the principal thereof and invested as such. If
the Non-Exempt Trust should become exhausted during the lifetime of
the Settlor's said grandchild, Income distributions and discretion-
ary principal distributions, if any, shall be made from the Exempt
Trust.
(b) Upon the death of each grandchild, if
his or her trust has not already terminated, or upon the division
into shares under subparagraph (2) (b) above in the case of a
grandchild who is not then living, the principal of said grand-
child's share shall be distributed outright to or on further trust
for such one or more of the Settlor's descendants as the Settlor's
said grandchild directs by specific reference to this provision in
his or her Will; PROVIDED, however, that the Settlor's said
grandchild may also appoint the principal of the Non-Exempt Trust
- 10 -
lilllllltlNlIlf'lIr11 H.\ III II 11M HJW ...1 M lid ,'I l'j'j,1 .. \lulU II,: rill';
and any portion of either trust thnt he or sho could have withdrawn
before death in favor of anyone. Any unappointod portion shall be
paid, per stirpes, to his or her then-living issue; and if he or
she has none, to the then-living issue of his or her parent who was
the Settlor's child, the share of any grandchild of the Settlor to
be added to his or her separate trust hereunder if it is still in
existence.
(c) If any of the Settlor's children has
no issue living at the death of the survivor of the Settlor's said
child, his or her children, if any, the Settlor's husband and the
Settlor, any remaining unappointed portion of the Settlor's said
child's share shall be added equally to the share of the Settlor's
other children and shall be held or distributed as if the latter
shares were being set apart at that time.
(3) If the Settlor has no issue living at the
death of the survivor of the Settlor's husband, the Settlor's
children, and grandchildren and the settlor, any remaining
unappointed principal shall be transferred and delivered to those
persons who would have been entitled thereto if the Settlor and her
husband had each owned one-half (1/2) thereof and had both died at
that time intestate, unmarried and domiciled in Pennsylvania.
(4) Anything in this Deed of Trust to the
contrary notwithstanding, no trust created hereunder shall continue
beyond twenty-one (21) years after the death of the last to die of
those benef iciar ies who were living on the date of the execution
hereof; and upon the expiration of such period all trusts shall
terminate and the assets thereof shall be distributed outright to
- 11 -
lIulllHINtJ Nil n I.H.' 11111 11M \lJ" ."11 \l lid JI. 1,,'1} ~ \t,.,m Il,~ 11'",1/
those parties (and in the same proportions) as are then receiving
the income therefrom.
(5) For the purposes of this Deed of Trust,
adopted children shall be considered the natural children of the
adopting parents, regardless of the date of adoption; and the term
"minor" shall mean any person who has not reached the age of
twenty-one (21) years.
FIVE: (A) If any remainderman under the foregoing pro-
visions is a minor and is entitled to a share in excess of the
amount which may be paid to his or her natural guardian, such share
shall vest in said remainderman but shall be retained by the
Corporate Trustee in a separate trust until the twenty-first (21st)
birthday of said remainderman, at which time the trust shall
terminate and the principal shall be transferred and delivered to
him or her free of trust. During such minority period, the Trustee
may pay to the person having custody of said remainderman, without
liability on the part of the Trustee to see to the application
thereof, or may expend directly so much of the Income and principal
as it deems advisable for the welfare, comfortable support and
education of said remainderman and shall add any excess Income to
principal and invest it as such. In the event of the death of said
remainderman during minority, the Trustee is authorized in its
discretion to pay part or all of the funeral expenses, and the
remaining principal shall be transferred and delivered to said
remainderman's estate.
(8) Income allocated to a minor may be expended for
his or her benefit or may be paid to his or her natural guardian,
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titllllHINlI ~lIrll'H.\ 11111 11M HJW !'II H 1I.1}1 1'#'..' "",~'" 11.\ "11111
to the guardian of his or her person or estate or to a Custodian
for him or her under an appropriate Uniform Gifts or Transfers to
Minors Act, without liability on the part of the Trustees to see to
the application thereof. The Trustees may also deposit amounts in
an interest-bearing account in the minor's name in any Corporate
Trustee's banking department or elsewhere and may pay a reasonable
allowance to the minor.
(C) If the Corporate Trustee considers the principal
of any trust other than any trust established for the benefit of
the Settlor's husband to be insufficient to warrant establiShing or
continuing the trust, the Corporate Trustee may pay the principal
to the Income beneficiary or, if he or she is under the age of
twenty-one (21) years, to a Custodian for him or her under an
appropriate Uniform Gifts or Transfers to Minors Act, to be
selected by the Trustee. The receipts and releases of the
distributees will terminate absolutely the rights of all persons
who might otherwise have a future interest in the trust, whether
vested or contingent, without notice to them and without the
necessity of filing an account to the Court.
(D) Upon the death of any Income beneficiary, any
Income accrued or received by the Trustees subsequent to the last
Income payment date shall be paid to the person or persons for
whose benefit the principal producing such Income is continued in
trust or to whom such principal is distributed under the terms
hereof.
(E) Corporate distributions received in shares of
the distributing corporation shall be allocated to principal,
- 13 -
tiUUIHINlI Nllnnf:., IlllHIM IUW Mil Od!t. I''';! k "'~IU II,'. "11'11
regardless of the number of shares and however described or
designated by the distributing corporation.
(F) The interest of any beneficiary hereunder,
including a remainderman, in Income or principal, shall not be
subject to assignment, alienation, pledge, attachment or claims of
creditors until after payment has actually been made by the
Trustees as hereinbefore provided.
SIX: (A) The Trustees hereunder shall have the
following powers, in addition to and not in limitation of those
granted by law: to accept and to retain assets in kind from the
Settlor, her estate or elsewhere, to purchase assets from the
estate and to retain such assets in kind; to sell assets and to
invest and reinvest the proceeds and any other cash in any kind of
property, real or personal, or part interest therein, located in
the united States or abroad, including interest-bearing accounts in
or certificates issued by the banking department of the Corporate
Trustee and securities underwritten by syndicates of which the
corporate Trustee is a member but not purchased from the Corporate
Trustee, all statutory and other limitations as to the investment
of funds, now or hereafter enacted or in force, being waived; to
retain or to purchase policies of life insurance, to pay premiums
thereon from income or principal and to exercise all rights of
ownership thereover; to pledge, exchange or mortgage real or
personal property and to lease the same for terms exceeding five
(5) years; to give opt.l.ons for sales, leases and exchanges; to
borrow money; to compromise claims; to vote shares of corporate
stock, in person or by proxy, in favor of or against management
- 14 -
litll'.IIHINlI Hllrll H 0\ 1I11IIlM HJW !'II H II.I.If I'I<I! ""1.111I J)... .....",
proposals; to carry securities in the name of a nominee, including
that of a clearing corporation or depository, or in book entry form
or unregistered or in such other forw as will pass by delivery; to
make division or distribution hereunder either in cash or in kind;
and, in connection therewith, to allocate to different shares
different kinds of or interests in property and property having
different bases for Federal income tax purposes, all as the
Corporate Trustee deems equitable. The Trustees are specifically
authorized to accept in kind and to retain any shares of MELLON
BANK CORPORllTION stock, with no duty to review the same for
investment purposes, but shall vote such shares only as directed by
a competent adult Income beneficiary of the trust in which said
shares are held. The Trustees shall have no liability for any
mistake or error of judgment made in good faith.
(B) (1) The Trustees are authorized to divide
(whether before or after a trust is funded and whether before or
after any allocation of a generation-skipping transfer tax (GST)
exemption under section 2631 of the Internal Revenue Code of 1986,
as amended (the "Code") is made) any trust or any property which is
used to fund or augment any trust under this Deed of Trust, into
two or more fractional shares. Said shares shall be held and
administered by the 'rrustees as separate trusts with identical
terms although the Trustees, in their sole and absolute discretion,
may manage and invest separate trusts as one. Some of the purposes
for granting that authority are to enable the Trustees to provide
an inclusion ratio (within the meaning of section 2642(a) (1) of the
Code) of zero for the separate trust receiving the fractional share
to which the allocation is made, and if that trust is a trust
- 15 -
tiltllllUNtI rtllTIl:I(.\ 1I11IJIM HJW .'1 H lid I', IlN} '\".111I H{. rll,.I/
described in section 2652(a) (J) of the Code, to enable the
Settlor's Executor to make the election described in that section
with respect to it as a separate trust.
(2) If the Settlor's Executor makes the so-
called QTIP election under Section 2056(b) (7) of the Code over a
portion (but less than all) of any property passing to a trust
hereunder, the Trustees are authorized to divide such property into
two fractional shares equal respectively to the portion as to which
the election was made and the portion as to which it was not made,
in the manner prescribed by Proposed Reg. S20.2056(b)-7(b) or any
successor regulation. Said shares shall be held and administered
by the Trustees as separate trusts with identical terms, so that
one of said trusts is entirely subject to said election and the
other is not subject to it. One of the purposes in authorizing
such division is to enable the separate allocation of GST exemption
to one or both of said trusts.
(J) Whenever two trusts hereunder are directed
to be combined into a single trust (for example, because property
of one trust is to be added to the other trust), whether or not the
trusts have different inclusion ratios with respect to any common
transferor or have different transferors for generation-skipping
tax purposes, the Trustees are authorized, instead of combining
said trusts, to administer them as two separate trusts with
identical terms in accordance with the provisions that would have
governed the combined trusts. If anyone adds or is deemed to add
property to a trust hereunder by gift or bequest, the Trustees are
authorized to hold the added property as a separate trust with
terms identical to the trust to which it would have been added.
- 16 -
I KlHllltlNCfIttrI"lT.1t A uoHHM MJW SI.1t Nil\- J. 1'1'11'1 Ulpm lhl; 1/'H"'7
(4) The Trustees are authorized to combine any
two or more trusts with identical terms for an identical beneficia-
ry or beneficiaries created by the Settlor or her husband as a
single trust. The Trustees are also authorized later to divide
such trust as provided above in this article. without in any way
limiting the sole and absolute authority of the Trustees granted by
this paragraph, the Settlor envisions that the Trustees will not
elect to combine two or more trusts with different inclusion ratios
for generation-skipping transfer tax purposes.
(C) As between the Trustees, the Corporate Trustee
shall perform all ministerial and administrative duties, including
the keeping of books and records, acting as custodian of the trust
property and preparing all necessary tax returns. The individual
Trustee may delegate from time to time to the corporate Trustee, by
an instrument in writing, any or all of said individual Trustee's
rights, powers and duties hereunder.
(D) In the event of the inability or unwillingness
of DALTON L. RUMBERGER to continue to serve as Trustee, the
Settlor's son, JEFFREY S. RUMBERGER, shall become the individual
Trustee. In the event of the inability or unwillingness of the
Settlor's son, JEFFREY S. RUMBERGER, to act or to continue to act
in such capacity, the Settlor's son-in-law, THOMAS J. FOSTER, shall
become the individual Trustee. In the event of the inability or
unwillingness of the Settlor's son-in-law, THOMAS J. FOSTER, to act
or to continue to act in such capacity, no successor individual
Trustee shall be appointed, and thereafter, the term "Trustees"
shall be interpreted as referring only to the corporate Trustee.
Notwithstanding the foregoing, each of the settlor's children shall
- 17 -
I iOlllMINdltl1 n 1M ,.. 1101 11M IUW ~111 Ild.'l 1"",1' - '''~m 1\,. rM"
have the right to become the sole individual Co-Trustee of his or
her separate trust hereunder, following the death of the Settlor's
husband.
(E) Unless otherwise specifically indicated herein,
if the Trustees are unable to agree with respect to any decision
hereunder relating to any matter other than investments, the
decision of the corporate Trustee shall control and the other
Trustee then serving is absolved from all liability which may
result from such decision. In the event of any disagreement
between the Trustees with respect to the investment of the assets
of the trust, the decision of the individual Trustee shall control,
and the corporate Trustee is absolved of all liability which may
result from such decision.
(F) The Corporate Trustee may resign at any time
during the Settlor's lifetime by written notice to her. After the
Settlor's death, the corporate Trustee may resign at any time,
without stating cause, by petitioning a court of competent
jurisdiction to designate and appoint a successor Corporate
Trustee. In case of the merger or consolidation of the Trustee,
the resultant company shall become successor Trustee hereunder
without notice to any party.
(G) The corporate Trustee shall be entitled to
receive annual compensation for its services hereunder in accor-
dance with its schedule in effect when the services are performed,
but not in excess of such compensation as would be approved by a
court of competent jurisdiction. During the Settlor's lifetim~,
such compensation shall be charged wholly against income, unless
the Settlor directs otherwise in writing. For any services
- 18 -
111'lllllllNII iWrI IN .\ 11111 11M HJ\\' M It IId,l1 l'i'l! \ \h~m 11,\ "it,.,
performed by it in connection with the Settlor's estate, which
services are normally performed by the personal representative, the
corporate Trustee shall be entitled to such additional compensation
as may be fair and reasonable under the circumstances. The
corporate Trustee is authorized in its discretion to sell securi-
ties to the extent necessary to pay any portion of such compensa-
tion which is chargeable against principal. Any individual Trustee
shall serve without compensation.
SEVEN: (A) The Settlor or others may add hereto, by
Will, inter vivos transfer or beneficiary designation, cash or such
property in kind as is acceptable to the Trustees.
(B) The Settlor reserves the right to revoke this
Deed of Trust at any time, in whole or in part, by written notice
delivered to the Trustees during the Settlor's lifetime.
(C) The Settlor further reserves the right to amend
this Deed of Trust at any time by a proper instrument in writing,
executed by the Settlor, delivered to the Corporate Trustee during
the Settlor's lifetime and accepted by the Trustees.
(D) If the Settlor designates the Trustees as
beneficiary of the proceeds of any policies of insurance on her
life, the duty and responsibility for the payment of premiums and
other charges on such policies during the Settlor's lifetime shall
rest solely upon her, unless she shall expressly direct the Trustee
in writing to pay the same from Income or principal; otherwise, the
only duty of the Trustees shall be the safekeeping of such policies
as are deposited with them, and the Trustees shall be under no duty
to notify the Settlor that any such premium or other charge is due
- 19 -
HI.IIIlItINII kllnrH ,\ IUIHIM ItJW .'1 It ".I !II"".' '\~.Ull 0,', "'I'"
and payable. All options, rights, privileges and benefits
exercisable by or accruing to the Settlor during her lifetime by
the terms of the policies shall be for her sole benefit and shall
not be subject to this trust; the Settlor agrees, however, not to
exercise any options whereby the proceeds would be payable to the
Trustees other than in one sum. Upon the written request of the
Settlor, the Trustees shall execute and deliver such consents and
instruments as may be requisite to enable the Settlor to exercise
or avail herself of any option, right, privilege or benefit granted
by any of the policies. Upon the Settlor's death, or at such later
time as may be specified in the policies, the net proceeds of any
policies then payable to the Trustees hereunder shall be collected
by the Trustees; the receipt of the Trustees for such proceeds
shall release the insurance companies from liability on the
policies, and the insurance companies shall be under no duty to see
to the application of such proceeds. The Trustees may take all
steps necessary in their opinion to enforce payment of said
policies and shall be entitled to indemnify themselves out of any
property held hereunder against all expenses incurred in taking
such action.
EIGHT: (A) As used in this Deed of Trust, the singular
may include the plural and the plural the singular, and the use of
any gender shall be applicable to all genders.
(B) This Deed of Trust has been delivered to and
accepted by the corporate Trustee in the Commonwealth of Pennsylva-
nia and shall be governed in all respects by the laws of said
State.
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Otll:IUUNU kUrO:M A UtlEIlM ~JW M.M 0..111. I~I ,.. \hJIlI H.\' rl4.'"
WITNESS the due execution hereof the day and year
aforesaid.
WITNESS:
SETTLOR:
#~~
/7
I''/J/I',(;I, .: 'Q,li},),{~[.d{I,i;'",/ (SEAL)
'Nancy . Rum erger, settlor
WITNESS:
~ (SEAL)
Trustee
ATTEST:
TRUSTEE:
MELLON BANK, N.A.
'-'" . ....._-..~,._.-
_. '; '" ,_t._~~L:;';".~_
Vice President
/
cer
By:
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COMMONWEALTH OF PENNSYLVANIA
COUNTY OF ALLEGHENY
On this, the
/ ;dI-.
.
)
) ss:
)
day of
~
1992, before me, a Notary pUblic, the undersigned officer,
personally appeared NANCY W. RUMBERGER, known to me (or satisfac-
torily proven) to be the person whose name is subscribed to the
within Deed of Trust as settlor, and acknowledged that she executed
the same for the purposes therein contained.
IN WITNESS WHEREOF, I have hereunto set my hand and seal.
~Se8I ~
~J.~~
~~/Il1,l.",~
W~
.
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF ALLEGHENY
On this, the
/~
~~
No ary PublJ.c
)
) ss:
)
day of
~
1992, before me, a Notary Public, the undersigned officer,
personally appeared DALTON L. RUMBERGER, known to me (or satisfac-
torily proven) to be the person whose name is subscribed to the
within Deed of Trust as individual Trustee, and acknowledged that
he executed the same for the purposes therein contained.
IN WITNESS WHEREOF, I have hereunto set my hand and seal.
~SeOI
f\dlel.IJ.~~
W~E>ijli8I/Il1,l",'996
. 0fll\0'II'0l\3
~o
"
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF ALLEGHENY
)
) ss:
)
on this, the
.:1511-.
day of
/II" Ja!m" $'oR
1992, before me, a Notary public, the undersigned officer,
personallY appeared
r::; f.t'\ 4...L''-: f
(p,
e n..,-ra... n ~ e
,
who
::r (1 .
acknowledged himself to be a Vice president of MELLON BANK, N.A.,
and that he as such vice president, being authorized to do so,
executed the foregoing instrument for the purposes therein
contained by signing the name of the Bank by himself as Vice
president.
IN WITNESS WHEREOF, I have hereunto set my hand and seal.
("'........"'~._ ..~--L.
. . tary publ c
, NoI8ltoISeaI
~~NaIlVYP\JlIa
t.l)'c.."'oibsioI,~191l4
.,." , ._: ~.' ".'1\ .:' " . 'l"'4,,,,.."t',;I.I,.,..~'...t".V""'" , .t:~I'o':" .',. ".: .
~: . ~ ~" . ,.... '~::!);Y~:"':/;~'it'~~t",\'.' ~~";t;:,'.;,:-; J)"., :I~I"~'::';.(,:(~:~ ':"~'(' ,.....r.~~ i . .,' ..... ,..~\~'....::'." .,1 ," .' .,
.: ; ',' .'....1,., ..........~~..:ij. ""'~'~':~"''I,'..l,;~!(.f,\:''''.~''~~'!' l;-P-- ..;t'.. !-'.~:.; \\ ':,".:,'.,, I .!.,.~. ~ " '" t'", .'
.... ..1 ", ,";[',\.. ,\'l..!'!............~..,,\,...i;, ,d'~:'::.t., t'",..l..,,1:':;'II'~'''''~ t"\..:,(.l"(il ,":-'l .\~" ;~'., " t ".' "
. . ',' ':.... ",',~..r . . " _............ . ",., . . ..... '.' ., .. " . :. p.' .' I . :.,' . :.1 '.. : .
947t;" e.. "
,?~ A~'
..V/V ';/
THE WITHIN IS HEREBY CERTIFIED
TO BE A TRUE AND CORRECT COPY.
DECREE AWARDING REAL ESTATE
AND NOW,
o'clock .il-M.,
this ?l ,l,t day of f4)b~O , 1996 at /); 10
it appearing that the First and Final Account and
proposed Schedule of Distribution of the named Executpr of the Last
Will and Testament of Nancy W. Rumberger, late of South Middleton
,
Township, cumberland County, Pennsylvania, Deceased, has been filed
and advertised in accordance with law and rules of Court, and the
same having been confirmed absolutely by the Orphans' Court
Division of the Cumberland County Court of Common Pleas on March 5,
1996, and it appearing that the said Executor in his proposed
Schedule of Distribution claims distribution of the hereinafter
described real estate to himself and Mellon Bank, N.A. as Trustees
in the Nancy W. Rumberger Trust Fund B dated November 12, 1992 in
conformity with the Schedule of Distribution as confirmed by the
Court filed to Estate No. 1994-00756 with record of payment of
Pennsylvania Transfer Inheritance Tax recorded in Tax Docket 14,
Page 232, Line 10, it is ORDERED and ADJUDGED and DECREED:
All unconverted real estate in the hands of the accountant,
DALTON L. RUMBERGER, Executor, in the estate of NANCY W. RUMBERGER,
viz:
TO: DALTON L. RUMBERGER and MELLON BANK, N.A., Co-Trustees in the
Nancy w. Rumberger Trust Fund B, dated November 12, 19921
600K 137 P1,~Z G80
EXlITIlIT "c"
"'; v-
"
_.~...... . _....l........,....W""':'.n:-.~
ALL that certain lot or parcel of land situate
Township, Cumberland County, Pennsylvania,
bounded and described as follows:
BEGINNING at an iron pin on the easterly right-of -way line of
Derbyshire Drive, a 50 foot wide right-of-way, which said point is
more particularly located at the intersection of the easterly
right-of-way line of Derbyshire Drive and the dividing line between
Lots Nos. 12 and 13 on the Plan of Lots known as "Final Plan for
Mayapple Village, Derbyshire Lots 1-39"; thence from said point of
beginning along the dividing line between Lots Nos., 12 and 13 on
the aforesaid Plan of Lots, South 74 degrees 12 minutes 12 seconds
East, a distance of 142.55 feet to a concrete monument on the
property line of other land of Mayapple Village as shown on the
aforesaid Plan of Lots; thence from said concrete monument along
the property line of other lands of Mayapple Village, South 21
degrees 00 minutes 23 seconds West, a distance of 122.18 feet to an
iron pin on the dividing line between Lots Nos. 13 and 14 on the
aforesaid Plan of Lots; thence from said iron pin along the
dividing line between Lots Nos. 13 and 14, North 61 degrees 43
minutes 50 seconds West, a distance of 140.70 feet to an iron pin
on the easterly right-of-way line of Derbyshire Drive; thence from
said iron pin along a curve to the left having a radius of 350.00
feet, an arc distance of 91.74 feet along a chord bearing of North
19 degrees 30 minutes 34 seconds East, a chord length of 91.48 feet
to the point and place of bp.ginning.
in South Middleton
more particularly
BEING Lot No. 13 containing .3409 acres on the Plan of Lots known
as "Final plan for Mayapple Village Derbyshire Lots 1-39, " prepared
by Statler-Brehm, Engineering and Planning Consultants, dated
January 26, 1989, and recorded in the Office of the Recorder of
Deeds of Cumberland County, Pennsylvania in Plan Book 58, page 68-
A.
UNDER AND SUBJECT to building setbacks as set forth on the above
mentioned plan, being a 30 feet front setback line, a 40 feet rear
setback line, and a 10 feet side setback line.
ALSO UNDER AND SUBJECT to the restrictions as more particularly set
forth in the Declaration of Covenants and Restrictions dated June
16, 1989, made by 539 Development Company, and recorded in the
Office of the Recorder of Deeds of Cumberland County, Pennsylvania
on June 16, 1989, in Misc. Book 365, Page 566; the Supplemental
Declaration of Covenants and Restrictions dated October 16, 1989
made by 539 Development Company recorded on October 16, 1989 in
Misc. Book 370, page 720; the Amended Supplemental Declaration of
Covenants and Restrictions dated October 17, 1990, made by 539
Development Company, and recorded in the Office of the Recorder of
Deeds of CUmberland County, Pennsylvania on October 25, 1990 in
Misc. Book 388, page 1089; and to all other restrictions,
reservations, setback lines and rights-of-way of record.
BoOK 137 r,',CE 681
.'
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<"'lO Ii :J'"
0 0 .... .. ...JIXI
'I <3' ""r:> ... ...J Ul
,... "Z"'''' "':Cl-
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'" I WO I>< Z > <...
... I><ZUlI- o.W:J ... IIl...JW
"':J ctZ-, I>< UJUU
XUlOto"l ~ I:J r:> X W
I-I,..,N X-,I>< CO <X'"
II- ! UIW UJ '" 1-<
O<OU 1><>1- I>< I-...J DEPARTMENT OF
'" WUH-W <<u. ... Wl..!l 0 .
"" 3:1 r:> :c:c< x l.!)o.. ... .C\
"" I>"" :II III < <or:> REVENUE
... tn<NLn > -'co o..u<
wr:> .... Pl -'''' Z
. "'H> l- I>< .... '" .", Common Level Ratio Real Estate Valuation Facters
... I-~<O Z > Ul >'" alO for 1995
~ 0 1U.:i:t- :J I- 0 0.. ,...:cu.
z.... 0 -. UJ "":J
D X OCO" ~ uw< -' ....uw
U :CWWQ IIlUZ 0."" '" W The following real eslote valuation faclora arc based on
I>< ..U1tIJ ....<UJ O'.....UJ .....ou. snles dalo complied by the Stale Tnx E~uallzatlon Doard
< tnOOI- r:> < III ....1- in 1995. These faclora are the mathemat cal reciprocals of
*:>.: O::-J-lO N >1-'" ..... 0 the actual common level ratio. For Pennsylvania Realty
* xuuo <co "'0
E...JX w. Trnnsfer Tax purposes, these faclora are applicable for
> -......,. - E z>.... documents accepled from July I, 1996 10 June 30, 1997,
I- '9. -00 00<1> except as Indicated below. The dalo of acceplonce of a
Z U~
:J ~ document Is rebutlobly presumed 10 be its dalo of execu.
0 .", tlon, that is, the dalo specified In the bod~ of the
U .n US document as the dote of the Instroment. 61 a. Code
* c:::> "C~ fi 91.102.
* %... Common ""ve/
0.. I>< "" County Ratla Factor
... 0 Adams 2.39
UJX I- ..,r--...
UIIl U """'<3' _#'t ,., Allegheny 4.72
....z Ul ..... :x>.... Annstrong 6.62
I-:J: ...J "'0 UJ Deaver 2.40
00 ...J >""r-- l.!)
ZI- 0 "" ue.... < Dedford 9.80
U <3' Z .l.!) Derks 0.98
xz :II 0 <w 31- Dlalr 7.46
<0 X ........N I Z""< 00< Dradford 2.28
1-1- < '" ..,....'" ,.., ....0. "'0
Ul I- ,..,10 .. . ,.., .x UE Ducks 20.41
UJ...J ....'" > "'10"" 10 I><1Il . Ul Duller 7.04
I-r:> lJ)Q!:Or-t I>< NNN 0 UJ>W WI>< Cambria 5.29
<0 zr:>"" "" I l..!l<Xl-' '"
1-'" I>< ..."" ""~ "" I><""Ul zo Cameron 2.30
UlE ....z '" <Xl 0 LUUJt-t H> Carbon 11.76
UJ <~<N "'0 I ",e...J Centre 2.00
x uoo.. ...J... 0 :c '" 'wo
...JI- :r r-- :II '" "',...</ "'I- Chesler 15.87
<"'eUI-Ul.... NNN I><NU .< Clarlon 7.25
we ~-J" 0 "'0'" ...J Clearlleld 4.31
~'ni )-UU1 ., . 0 Ul-'
.. ~::::u-'w .., r--IO"" z :UJt-t Cllnlon 2.78
'''' I: WQl...JZ >N r--lON : X'" Columbia 2.49
~"" ~ Ql 1><0 "''''<3' I- < Crawford 2.06
..~ ooc(x ~ U 1-1II
~r-l O::NUa. U ... Cumberland 14.29
< u.x Dauphin 1.67
. i ...1- Delaware 30.30
Elk 4.67
Eric 10.64
Fayetlo 8.00
Farest 3.09
Franklin 18.89
Fullon 5.05
Greeno 8.13
Iluntlngdon 4.89
Indiana 8.47
PENNSYLVANIA DULLETIN, VOL. 26, NO. 23, JUNE e, 1996
Exh Ih II "n"
.'
AFFIDAVIT OF LARRY E. FOOTE
I, Larry E. Foote, a fully competent adult, do state and dcclare that I have inspected the real
property located at 27 Derbyshire Drive, Soulh Middleton Township, Cumberland County, Pennsyl-
vania and owned by the Nancy W. Rumberger Trust Fund. I am acquainted with the value of real
estate in the locality of the subject property and have completed an appraisal of the subject property
which resulted in an indicated fair market valuc of $194,000 as of August 23, 1996. I further state
that I am not personally interested in the subjcct properly and that the indicatcd fair market value of
$194,000 is more than can be obtained at a public sale.
Sworn to and subscribed
bef~ me this ~day
of I~' 1996
,.
la.<.-L- / VI
otary Public
NOTAAI,t,l SEAL
HOSIE N, auRT[lNL~ PubIkl
CIrllsll, CUllX*IIIlO ~
PIti Commlelllon ElqJhIlIIy" 1_
Exhib i t "E"
'--"'''~,~ "'"'- >~'f';'''';-l!'4''-r'''
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APPRAISAL CERTIFICATE
I hereby certify that upon application for valuation
by:
NANCY W. RUHBERGER TRUST FUND B
the undersigned personally inspect~d the following described
propP-l'ty:
All that certain lot or parcel of
improvements thereon erected. situate in
Township. Cumberland County. Pennbylvania.
larly boundHd and described as follows:
land. with the
Sou th MiddllO ton
and more particu-
B&lJinning at an iron pin on the easterly right-of-way
line of Del"byshire Drive. a 50 foot wide right-of-way, which
said point is more particulal"ly located at the intersection
of the easterly right-of-way lin" of Derbyshire Drive and
the dividing line between Lots Nos. 12 and 13 on th~ Plan of
Lots known as "Final Plan fOl" loIayapple Village, De,-byshil"e
Lots 1-.39"; thence fl"Om said point of I>"ginning along the
dividing line between Lots Nos. 12 and 13 on the aforesaid
Plan of Lots. South 74 degrees 12 minutes 12 seconds East, a
distance of 142.55 feet to a concret" monument on th&
property line of othel land of Mayapple Village as shown on
the afOl&Said Plan of Lots; thence from sa id cOllcrete
monument along th" property line of other lands of Hayapple
Village, South 21 degrees 00 minutes 23 seconds West, a
distance of 122.18 feet to an iron pin on the dividing line
b",tween Lots Nos. 13 and 14 on tl." aforesaid Plan of Lots;
thence from said iron pin along the dividing line b",tweenn
l,ots Nos. 13 and 14, l~ol'th 61 dearees 43 minutes 50 secollds
West, A distance of 140.70 feet to an iron pin on the
easterly rieht-of-way line of Derbyshire Drive; thence from
said Iron pin I'Ilonq a cUI."ve to the l",ft having a l"adius of
350.00 feet, an arc distance of 91.74 feet along a chord
bearing of North 19 degrees 30 minutes 34 seconds East, a
chord length of 91.48 feet to the point and place of
beginning.
Being Lot No. 13 containing .3409 acres on the Plan of
Lots known as "Final Plan for Mayapple Village Derbyshire
Lots 1-39", prepared by Statler-Brehm, Engineering and
Planning Consultants, dated January 26, 1989, and recorded
in the Office of the Recorder of Deeds of Cumberland County,
Pennsylvania in Plan Book 58, Page 68-A.
To the
contained in
neither the
best of my knowl",dge and b..lief the statements
this report are true and correct, and that
employment to mdke this appraisal nor the
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PURPOSE OF THE APPRAISAL
Th~ purpos~ of this appraisal is to ~stimat& th~ Mdtk~t
Value of the subj~ct property as of AU9ust 23, 1996.
Market Value. dS defined by the courts. is the most
probabl~ pt'ic~ estimnted in t~t'lIIS uf lIIoney which a prop~rty
will brina if E!xposed for salo: in the open market. alluwiny
a reasonRble time findinQ a purchaser who buys with
knowledqe of all the Uses to which it is adapted and for
which it is capablE! of being used.
Frequently, it is referred to as th~ price at which a
willinq seller would s..ll a Ill] .. willing buy..t- would buy,
neither beino under abnormal pressur...
HIGHEST AND BEST USE
HighE!st and Best Use is d~finad by the Appraisal
Terminology and Handbook, pUblished by the Appraisal
Institute, as "the most profitable likely USe to which a
property can be put". Th., opinion of such use may be basad
on the highest and lIIost profitable continuous use to which
the property is adapted and needed, or likely to be in
demnnd. in the raasonable naar future.
However. elemants affectinq value that depend upon
events or a combination of occurrenc.,s which. while within
the realm of possibility. are not fairly shown to be
reasonably probable. should be excluded from consideration.
Also. if the intended use is dependent on an uncertain act
of another person, the intention cannot be considered.
Based on the above
site, neiqhborhood. and
present use of the subject
definition and after seeing the
at-ea, it is lilY opinion that the
is its Highest and Best Use.
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SITE DATA
ADDRBSS: 27 Derbyshire Drive
TOWNSHIP: South Middleton
COUNTY: Cumb~rland
STATE: pennsylvania
LOT SIZE: 91.48 x 142.55 x 122.18 x 140.70 (.3409 acre)
SEWERS: public
WATER: Public
ELECTRICITY: GPU
LANDSCAPING: Typical for the area, with a sodded lawn,
trees, and shrubs.
ZONING
The subject property is located in an area which is
zoned Residential.
DETRIMENTAL INFLUENCES
None. Pride of ownership is evident throughout the
neiahborhood.
DESCRIPTION OF IMPROVEMENTS
GENERAL DESCRIPTION: One and one-half story detached single-
family dwelling containing approximately 2.401 square feet
of gross living area with an attached two-car garage.
CONDITION: Exterior: Good
Interior: Good
ROOMS:
First Floor: Living room, dining room, kitchen,
bedroom. laundry room and two and
one-half bathrooms.
Second Floor: Two bedrooms and a full bathroom.
Basement: 75%. with concrete floor.
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EXTERIOR:
Foundation:
Walls:
Sash:
Gutters:
Roof:
Storm units:
Concrete block.
Brick and vinyl sidill~.
Vinyl-clad thermopanes.
Aluminum.
Fiberglass shingles.
Screens throughout.
INTERIOR, PRINCIPAL ROOl.IS:
Flooring:
Carpet, vinyl and
ceram1C tile blocks.
Drywall.
Drywall.
Wood, painted.
KITCHEN:
BATHROOI1S:
CONSTRUCTION:
HEATING:
Cabinets:
Counters:
Walls:
Flooring:
Sink:
Walls:
Ceilings:
Trim:
Wood, natural finish.
Formica.
Drywall, papered.
Vinyl.
Double-bowl, stainless steel.
Flooring: Carpet and vinyl.
Walls: Drywall, papered.
Bathtub: Built-in, with shower or shower
stall.
Lavatory: Vanity.
Water closet: Two-piece.
Joists:
Beams:
Columns:
Plumbing:
Wood.
Wood.
Steel.
Plastic and copper.
Gas-fired forced hot air with central air con-
di tioning.
HOT WATER: Gas-fired, 50-gallon.
ELECTRIC: Circuit breaker system, 200-ampere.
OTHER:
Brick front porch. carpeted patio with knee-high
brick wall, vent-a-ridge roof vent, automatic
lamps on exterior, Qas fireplace in the living
room.
GENERAL CONDITION:
good condition on
mechanical systems
properly.
ASSESSED VALUATION:
All improvemenLs are considered to be in
the interior and on the exterior, with
appearing to be adequate and functioning
$16.740
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THE COST APPROACH
Th~ Cost ApproAch to value is based on the principle of
Buhstitution, which proposes that an informed buyer will pay
no mora than the cost of providing a substitute property
with similar utility.
In estimating the cost of providing a sUbstitute, the
following functions are completed. The cost of the
improvements, as if new, is estimated. Loss of value due to
physical deterioration, functional obsolescence and external
depreciation, if applicable, is deducted to represent the
cost of a substitute d~preciated. The land and the value of
depreciated site improvements is adued to obtain a value
indication of the real estate.
The cost new of the improvements was ~stimatad using
information from Marshall Valuation Service, adjusted to the
local area and verified with local contractors.
Dwelling: 2,401
Basement: 1,254
Porches, patios,
Firaplacl'l:
Garage: 483 sq. ft. @ $23.60 =
Total Estimated Cost New:
Depreciation:
Depreciated Cost of Improvements:
site Improvements "as is":
Estimated SitA Value:
sq. ft.
sq. ft.
etc. :
@ $54.26 =
@ $12.03 =
$130,278
15,086
5,200
2,500
-11.1-399
164,463
_ _-O=--
164,463
5,000
. 'LO..&Q.Jl
Indicated Value by Cost Approach:
Rounded to:
$209,463
$209,000
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CORRELATION
Corr~lation may b~ defln~d as "the brinqing together of
parts in a proper relationship." The parts of this
appraisal report are the following approaches to value your
appraiser used:
Value Indicated by Cost Approach
Value Indicated by Sales Comparison Approach
$209,000
$194,000
These approaches are representative of the market value
of the subject property. I have carefully reexamined each
stsp in each method, and I believe the conclusions
accurately reflect the attitude of typical purchasers of
this typo property in this neighborhood. It is my belief
that this reexamination has confirmed the original
conclusions.
The Cost Approach will result in an excellent estimate
if all elements are figured accurately, because no prudent
person will pay more for a property than the cost to produce
a substitute property with equal desirability and utility.
Purchasers of the type of dwelling typical of the subject
jproperty are more concerned with amenities than with
hypothetical replacement of th~ prOpel"ty. Tht: value of the
cost approach is not dislegarded, but given lesa weight
because more errors in judgement can be made in this
approach.
The Sales Comparison Approach was based on several
recent sales of properties similar to that of th~ subject,
all of which are located in the same general area. The
adjusted sales prices are most consistent under comparison.
This approach is the most reliable because it reflects the
reactions of typical buyers and sellers in the market.
Therefore, as a result of this appraisal and analysis,
it is this appraiser's considered judgement and opinion that
th~ Market Value of the subject property, as of August 23,
1996, is:
ONE llUNDRED AND NINETY-FOUR THOUSAND DOLLARS
$194,000
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CERTIFICATE OF APPRAISAL
Your appraiser her~by certifies that:
1. I have no prese"t or contemplated future interest in the
subject property.
2. I have no personal interest or bias with respect to the
subject matter of this appraisal report or the parties
involved. My findings are not based on the employment to
make the appraisal, the compensation expected, a requested
minimum valuation, a specific valuation, or the approval of
a loan.
3. To
of fact
analyses,
based, are
the best of my knowledge and
contained in this appraisal
opinions, and conclusions
true and correct.
belief, the statements
report, upon which the
expressed herein are
4. This appraisal report sets forth all of the limiting
conditions (imposed by the terms of my assignment or by the
undersigned) affecting the analyses, opinions, and
conclusions contain~d in this report.
5. This appraisal report has b~en made in conformity with
and is subject to the requirements of the Cod~ of
Professional Ethics and Standards of Professional Conduct of
the National Association of Real Estate Appraisers.
6. No one other
conclusions, and
set for th in this
than the undersigned prepared the analyses,
opinions concerning real estate that are
appraisal report.
~~~
Chief Appraiser
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SALES COMPARISON ANALYSIS
Thc:I'O u-coIII G.:IIIIU oll"'f)nl~fl.!s .1'" "~l'l '.~".1' ,11,,11'"1""\'111' Itl I.ull,,'!:: .1'.' h.IVl' 110,,'1\ r:ClI\"1l1t.""'~ "llh.' "~I'~I'1 .I""I)'!.,:> 1110.' IIo~lO'lijlhl.ll'
,,~Iu"" ,1 ,,,)11,\1 ,\lhu,ln..t1\llulkK:hno
,n.at\o..cl fC.1ChOI'l 10 11""0 Ilem" 01 Io";,,,lor.i,r,l .......\1...11 lwlWlli'It Ih., IollhWCI ;),.1 UNI"IoIl,lhl..lIHOflCIIIl" r., !l.,",h",,": .I,',n "' Itkl f.M\I),lIi\I"" I)fO(ll~IIV'"
l.tlOl""'" 10. Of rr.Jl'lJ lilVOfilblo1
than, thO IublL>c:1 f'l'OfII.!Il'f, n mlIlU" t-I.ltl/...,....,.. ,... Ill,"''''' lI".o,'Plh,u'\oI,,,,,".'":.lh'oI V;\I.., 01 ~".It..., '1,1.11"....'"' .11'111 III IIII' """'''II.II>1ltlo,,~
lnl.',,,,,, In I" It.,\~ 1;'t.,w~lli" Ih.,,,,
lhO Mlhlccl ')Inlll'll.,.. illlltlll f I) ,101111'.''''''11111 '1\):" Ihun 1'. 11"'''11.,11.' Inh",ll1',1 v,.t..- ..llh.. 1.1I11j1" I
I1EM f>UOJECT
------ -- -27-Ucrbyslii~
AddleSs Ca d isle
Proxlmil 10 Su~~
Sales Pllee $
PrieD/GlOSS lIv. Alea 5
Dala Soulee __ lnnllectipn_..
VALUE ADJUSTMENTS DESCRIPTION
ales Of Financing
cessions None ~UI1C
iiiiCcij"5:iiiiiiil~;-'-- A" of 8-23-9 4-19-96 .J!:~_::.95
ocation Good -p" -.. '-si;"h~;' Similar
'Ie/Vlew .2-'-_~ I.".?: 'Tilf 'X'-,2'5- -. . ..._- .. --.ciCi'X-125 .__n._____
. DcsIQ!'.~~.!lJ'I.lI'^I. L\-lllllry 2-ullll'y . Z-lIlury .
ualil 01 Consllllclion llrick & '!J-,!yl ._Y.>-'!Yl...!'lili.!'Il_-.;!'.!llliL _ llrick & vinyl
e 2...Years ._ .2.J.ear!!..____-'-_._._. New
ondition Good Similar Similar
ve Grade 101.11 : e~:~s: fl". t.)!,\t: Gcrl'\t: BalM ~_. ---- lot,,1 ;':.m!' fl,:,,~
oomCounl & : 3 ~ 8: 4 :~: (2,000) 8 4 3ls
lOSS living Alea 2,40 I So FI 2,3&8 So Fl.' \,300 .__?:,544 So rl.
Basemenl & Finished --Pull bsmt"
ooms Below Glade 751; bsmt. 90% fin, (5,000) Full bsmt. ~'ull bsmt.
unetionalUlilil Avera e Similsr Similar Similar
Healing/Cooling Gas FilA w/CA Similar Similar Similar
ala e/Calpoll - 2=Ciir garagw Similar Similar Similar
OIches.Palio. Porch, screaned Porch, wood:
I'ools. elC. ___ _ j~Q.!E.I~ _pot!..o. _.porch '. '(! ,QOOl. _Jij.m.i1!l_L_n_. .L.___ ._" _.steck ...". _._-L-____.
pccial EnClgy Typica 1 for
lIicienlllems the rellion,__~i~il~r_.
HlCplace(S! .____ _~.!!-f i r~,,].~c_ _.~.!'!I_i_!!lr
IiICl (e.g. klichen
uip.. ICmodeling)
, el Adj. (Iolal)
Indica led Value
Subjecl 5 190 000 5 207 170 5 193 900
.ommenls on Malkel Oala With aJ!jystments. aU_ lhr~.9J!lnarable sales !!.Ie acce\l.tl!ble fo.r the dillc.t.__
salillL.E2illp.!'.ris,,-!'-.-!'lJ'!.lY.B.tu a.n.d.. co!,!. i rf!) my f ina 1 . op1.nJ.o.\I_o f vl\l.u.~..RL$J~t4..,O()Q ..-- -.- --"-
._.._....~_. ._-
None :
.J_El~':9j'-' :-...
Similar
IgIUU_2..5.. '
r"- .
. Z::lIturY_.___n .:._____. .....n'
llrick & vi.nY.L__
3 y'ears :
Similar
ital :8Cflf\S: ;alns .
7 : 3 2\ i
2,510 So.FI.: (4,400)
(4,000)
(5,700)
, ..u'lS
lluilt-ins
Similar
: S imila r S imila r
:-- - . --.. -.-. ~~i ~.r.frs:iiEi~:r~_(.I..'!!~QI -_:Xi\ill:!.l!==-~C~'~~~-.-=
,
.
B stem:
(500)
4 900
5
.__._- ,--- _._~.----------_._~----_._-
----- --.----.----------------
----- ---_.--_.__._~.*-_.._--
.------.-...-.--.. --. ..-. ," -. ..-.-- ...----.-.-----.----..-.--.--.---..----------------
-------- -. ---- ------.----.----.--.--.-- -..-------.-- ---...-..-----
-.--*.----
_0" ..._ .-.-, .-.. ...-...-.--....-..-----...-.
---------..------..------.-..
.....---- --------.--'--"- _.. ----.
-.-.--.--. ....---...-..--....---.--.. ----_.
--..--.----.--..... .
. - -- _..-.-._--- ----- --. ,- - --- '. ------". .-.-.---.----..'.-.-----.-.' --- --
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PUOTOGRAPH OF THE SUBJECT PROPERTY
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LARRY E. FOOTE
REAL ESTATE APPRAISER
BXPERIENCB:
1979-Present: Chief Appruiser, Diversified AjJpraisal Services, Carlisle, Pa.
Principal Broker. laRue Deve opment Co., Carlisle, Pa.
1976-1979: Associate Broker, Colonial Realty, Carlisle, Pa.
1972-1976: Realtor Associate, Jack Gaughen Realtor. Carlisle, Pa.
Appraisal experience includes undeveloped land, farms, building lots, single-family
dwellings, mobile home p.1rks, medical centers, motels, apartment buildin~s and
complexes, oflice buildings, service stations, veterinary clinics, rehabilitallon centers,
retail buildings, daycare centers, warehouses, and manufacturing facilities.
BDUCATION:
Bachelor of Business Administrution, Pennsylvania State University, 1976.
Associate Bachelor of Business Administration, Harrisburg Area Community College,
1974.
Diploma. Carlisle Senior High School, 1965.
Certificate, Pennsylvania Realtors Institute, GRI I, GRI II, GRIlli.
Certificate, Realtors National Marketing Institute, CI 101, CI 102, CI 103, CII04,
CII05.
Standards of Professional Practice, American Institute of Real Estate Appraisers.
Real Estate Appraisal Principles, American Institute of Real Estate Appraisers.
Appraisal Procedures. Appraisal Institute.
Residential Valuation, American Institute of Real Estate Appruisers.
Principles of Income Property Appraising, Appraisal Institute.
Case Studies in Real Estate Valuation, Appraisal Institute.
Report Writing and Valuation Analysis, Appraisal Institute
PROFESSIONAL LICENSES:
General Appraiser IIGA-OOOOI4-L. Commonwealth of Pennsylvania.
Real Estate Broker IIRB-029729-A. Commonwealth of Pennsylvania.
PROFESSIONAL DESIGNATIONS:
GRI: Graduate of the Pennsylvania Realtors Institute. awarded by the Pennsylvania
Association of Realtors.
CRS: Certified Residential Specialist, awarded by the Realtors National Marketing
Institute of the National Association of Realtors.
CCIM: Certified Commercial Investment Member, awarded by the Realtors National
Marketing Institute of the National Association of Realtors.
CANDIDATE STATUS:
Larry E. Foote is currently a candidate for the MAl designation, awarded by the
Appraisal Institute.
PROFESSIONAL ORGANlZA TION AFFlLlA TIONS:
Appruisal Institute.
Carlisle Association of Realtors.
Pennsylvania Association of Realtors.
National Association of Realtors.
Realtors National Marketing Institute.
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PAST CLIENTS:
Borou~h of Carlisle
Dauphlll Deposit Bank
Cumberland-Perry County Association for Retarded Citizens
Carlisle Suburban Authority
Conllnonwealth National Bank
Pennsylvania National Bank
Evans Financial Corporation
Greenawalt & Company, CPA
Smith's Transfer Corporation
Carlisle Deparllnent of Parks and Recreation
Farmers Trust Companr
Carlisle Area School District
Messiah Homes, Incorporated
ERA Eastern Regional Services
Cumberland Valley Savings & Loan Association
Chase Home Mortgage Corporation
Defense Activities Federal Credit Union
Pennsylvania State Employees Credit Union
Meridian Bank
B-H Mortgage Service Corporation
Friendly Mortgage Services
United Telephone Employees Federal Credit Union
Cumberland County Commissioners
Allstate Enterprises Mortgage Corporation
Dickinson College
PPG Industries, Incorporated
Gellysburg College
Redevelopment Authority of Cumberland County
Record Data Appraisal Service, Incorporated
First United Federal Savings Associallon
Washington Telephone Federal Credit Union
Hill Financial
Carlisle Building & Loan Association
Sears Mortgage Corporation
Provident Home Mortgage Corporation
Fulton Bank
United States Marshall Service
Central Pennsylvania Savings Association
Coldwell Banker Relocation Services, Inc.
Maenner Relocation, Inc.
CCNB Bank, N.A.
GMAC Morgage Corp.
First Bank and Trust Company
Mellon Bank
Orrstown Bank
Lellerkenny Federal Credit Union
BancPlus Mortgage Corp.
Various law firms and individuals
,
S. W. BARRETT REAL ESTATE & APPRAISAL SERVICES
^rrrall.h . UwlC'ID,t . Counulin.
124-126 N. Hanover Slreet Carlisle, PA 17013-2455
I'hon. (717) 24).6646 ''i\X (717) 24J.H627
StC'Vtn W. Oarretl, SRPA. SRA, ASA
Sttllt C,flV'lftJ Otntrul ApPf1llJtr
C,,'Ulttl Apprabtrs
WIlliam ^. II...."
Dlan.OIll
Cauandru Crockeu
Sian A. Skowronek
A
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1\FFID1\VI'l'
AssorlQ(t AppmtstfJ
O. Hlury Slusser
Donna K. Shullz
Jeanette Jenkins
~
Commonweal th of l'ennsylvr.lII.i.a
BS:
County of Cumberland
I, Steven N. Barret t, a fully comput:ent. millIt, tk' Fll;al".e ;lIld
d..lclure that J Jlilve inspected the real p)'opert:y l'.>c:utn.l ,11'. ;:7
llerbYElhi I'e Drive, South Middleton 'rowllshi.p, CUllIbl.\J: J.:H"~ County,
Penllsylvania ami <.lwnGd hy the Naney 11. Rlt.nbE:,'qer. 'l":UF.lt: l'lInd 1.1. 1
am a<:ql.l"int:ed wlth t'he vntuc of real Cyt,lt'.~ In the l.;or:al.l,t:.y o:>t' tho
subj eet property "nd have completed ill! uppnd ewl t'[ the ~)llh:i ",,,t
property \~hich resulte<l .in an indicated fai L- lll<u:),et 'JlIJ.Ut~ or
$207,000 <IS of Augnst 21, 1996.
1 ftl1:t:hCJ: Bt'1te that I illn not
pC1rt;"lc,lnnJ.l}' .lnt:ere3t:(Hi 1n t:bo ~tlbj0(~t: p~'~jP'::f.i:)' and t.lt.,r. tl:.~
indicilt\1d fair l1lurk",!: V,'l] ue of. :~207, 000.
.~ ')1/<--' II
:)""'=- U./ .J-/ ~--:{ I
Steven W. Barrett
PA Certified General Appraiser
IIGA-000298-L
On this sixteenth day of September, 1996, before me, a Notary Public, personally
appeared Steven W. Barrett to be known, who upon being duly sworn according to
law, did depose and swear to the ab"\'I~ s':Itement.
" .
Notarial Sra!
Joanctto Jenkin., No'my Public
CurUslo Bora, Cunlbcrl.:J.nd County
MV Commit;!;ion Ell.pttcs MJtch 23.1998
Exhibit "F"
APPRAISAL OF
THE PROPERTY LOCATED AT
27 Do~byshlro Drlvo
Carllslo, PA 17013
A90F
AUOUB121,1996
Fon
GOEIlRING, RUTTER, OOEIIM
14tl1 Floor
FrIck Dulldlng
PIIIBbu'Ol1, PA 15219
DY
STEVEtl W. DARRETT REAL ESTATE
124 N.IIDnoyo, 51'..1
C."'.'., PA 17013
t:xhlhlt "I'''
,
Steven W. BlIrrell RlIlIl Estllte
124 N. Hlnover Blrll'
Clrlllll, PA 17013
(717) 243.6646
Auou1126.1996
Goehring, Ruttor, Boehm
141h Floor
Frick Building
PllIsburgh. PA 15219
RE:
Properly,
27 Derbyshire Drive
Carlisle, PA 17913
Dallon L RUMBERGER
96.9724
Borrowor -
FileNo.'
Dear Sir or Madam:
In accordance with your requast. I have personally Ins peeled and praparad an appraisal
report ollha real property localed at:
27 Derbyshire Drive. Carlisle, PA
The purposa 01 this appraisal Is 10 esUmata the markel value 01 the property described
In the body of this eppralsal report.
Enclosed. please IInd the eppralsal report which describes cerlaln deta gethered during
thelnvesUgallon ollhe properly. The methods 01 approech end reasoning In the
valuallon 01 tho various physlcel and economic laclors 01 the subject property are
contained In this reporl.
An InspecUon 01 the proporty and e sludy 01 perllnent taclors. Including valuation
trends end an enalysls 01 neighborhood dala. leads the appralsar to the conclusion thai
Ihe market value. as 01 August 21. 1996.ls :
$297,000
The opinion 01 value oxprassod In this roport Is conllnoont upon Iho Limiting
Conditions ollachod 10 this roport,
II has boon a ploasuro 10 osslsl you; III mny bo ollurthor sorvlco 10 you In Iho futuro.
plonso 101 mo know.
Rospocllully submlllod,
Stovon W. Bnrroll Renl Eslolo
/1J1(')",'~ 1./..
DIANE GILL
PA CertlllcnUon #RL.001570.L
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SInt~. Rf.....llIlltll.."I"'UIIII
Summary Appral.al Rapor.
c....
P'OP'"'' O.nrtallan UNIFORM RESIDENTIAL APPRAISAL REPORT FII. No. u..n'J'H
.!!DfI!rl)'.~..!!H__ 21. Dtlrby.hlz:. Dz:lve.____ . __ ..____. __.C!'J'__C.r11al._~_____ __~I!~~_f^---1lffO!'__.11013. ,_._
l'I'I~!~IP~lOIl_ Dtlad Deok J'-X. f.oa 17.. South Hldd1eton Towollhlp _ _ ___couIltLCwnberland. _ _
r AIIU!Of ~!.!'!.tI~O ~ 40-08-0533-0U . -- I.. 'fU' P6/n ''1.'"'' , 27.-1_iO .,.ll.I....!!!:."'...u · Hl.
Bono.., .n-.-;...~,;._,~ (~tr...IO...'. "~n~u -u: OUYPlftl-[;1' O.ftlf I I "..In, r I ~1(lft'
rroptlt'w'lollll.ppr'IIU t ...I'U'lmpl' f'ulllItlIO rrolltlhp.) I PUll I IConOOllllnlumUtunNAOII I.OA' ;t,lo
~"I~:~I~~!!-"lI!fClN'rr'__H'Y'rplu __.__ _d _ _....l'fllI.lt~U__O"':'O~33m ____.f~n_IIII.lfI(l._ _ 0125.00.
~II! !!l~! '-___dO_ hN'^. _ ~ ~ITt I'IUI'I "/A (lWllr"I'II\IM~.lmrn.a~la!lotll C~~rl~!ItlV\~u~~n, I~bt pllll tlJ' _Itn.., Non. IncUclt.d
HMll!'~~!~L.Go.hdng, Ruttel:, _ Douhm .Aldllll _ ~~~h_rlool:, Fdck_Dldg,_1'1ttDbul'gh,_l'A_
AIlDI.,ur n"atJ1l' o.J AU'..I 17" ""r' R" n. .~^.'lI
IOUllUII I- Wilt.. I-x 6111l1l10111 ...- Ih/'II m~':,~:"l Jlr.~', '.mn, "U'lP,1 ',u..II.........
"IIUIIIII Olll'" riUU,," ._ lI"Uln, · f $10001 Ifill OIl.lIml.,. _60
GIO.'~ RIl. ti IIlpl' f- '''1lI1 f- blclfll Kin"".. 90 11l_. No., ~ I'.mlty _ 0__
P/oPtIt)'UI1lU ~ IncrtUIM' f- 51.b'l f- Utch~IIl' Jil:ftn'"l ,J~9 1U1".._ 2' MIlIUI'lIIIIJ. O.
o.m.n"l1lpP'1j-. S!IIIll'" r:x 1110.""" J.- {l1t/IUPply V'I'nIIO~"', !Pltllamln.nlL Commmlll 5
...IIU!lfI.llm. UMllU Jmal rX" ]111I01 OUllmOI VIl'nll",,'I~ -;;n - ----:ta u. -.. -;:,;. --..
N.I.:ft.CI.14...,III.lum.lllU...,...ul'..II'........I."..lnllu'.II.
'W'l'IbarhOllfllOlln'"'U .nllll'lJlltllflllln Pound.d. on. the _north. by_ Route _ 81,.~on .thO.Douth .by _Dol11ng_ Sp1'1no.,
on_tha_l..t_by _ YOl'k. ROlld .lInd. on .tho.Wut. by. rOI:Oo_ ~o.d._______._____._____ _____._ .._
'ulOll '1'1" .lIte' 11'1' mllUI.bUllt 01 11'1' p'lIpar".. III 11'1' ~.,,~bn/flMll IlIrllllmlty III .mplll'/mlnl '~ll ,m'MI". .mplorm'"1 Illlllllly, UPt,I III ml'"'' lit I
S~j.ct_ll_10c.t.d1n_H.ylrplQ~111.g.,__..Oolf_cou~Do communlty~betwlln_Cll:llI1._.nd_P0111ng.
Bpdngl.._ ACC.D l_to_lll_ aman1t1.D_J.I_1flthln_a_ Dhol:t _ dd. vin; _dlDtlnca ..~loymllnt_1D._.__ ..___._ __.
dlvenlUld..lnd_.lt.bla.._^pPI.l_to.l'I\Drket_.1a._Doven;e. to.;ood._BKBA_3240. .h.__ ,._. _
'....1.....'.
LJ~OIIl"lw I jl'l'ty
rxll~ II!Onu
To _ ral1dunthL
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G(NlRAtDUCRIPTION (XTERIOADESCRIPTION 10UNDATION BASI"'[NT
No OIUMI _1-- 'oundlllOlI ConcreteJllock SI.b _Nono_ AruSQ.f1.
No olSlolln __2_ hllllorW.1I1 Vlny.l/ndck Cfu.lSpm .,l'AttlnL- "Inllll.ll
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INURIOR UIlIII.lllCondlholl I1(AII'm kIICllIPlIOUIP.__ Allie _ AlA(~1T1[S C"ASIORAG[;
::'~:I -ClIl:POt/.V1nyL 'rllt _GIIA~.__ R,llIg",'oI -= NO~I ,_ IllIplmll)1 1--..1. ~on. 0 11I1"'1
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lflmtfinllll -'i'o.od___ COII'!'!~Good__ DIIPOII' ...e. DIOpSlI1I ..A Om "llunu 2__..__.
B.,n floor --Yl.nyl COOlI~G Dlsnfru~" ::x sculll. _ Pale" ===..1. o.lun'll __. w _. ._
B11nWI'nICol_._Pa:Ylf.11...._.._.._~. C.nll" ..YOD..__.._ 'I,...,h'l(l' .~ 11001 _ flnu H_____ _ 8ul1l.ln
Dball Wood 0'1'1" N/A I.4IC/Ofrh....ft. Ilutld _ PClOI Cllpoll
r.~~rl(.~;';:;i>inn coo..,." . r.~nd- - W.."'IO"" ""',,. D,",w" -;;,..--;:'-
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In_tamJ.ly_~oom,_evo_Dtong.'___.._.__~_______.__.___n_._____ _ ~_______...._. .__._.__
I CO~dlllOIl 01 l~. ImpIoy.mlMI, dlPIUlIllOII Ip~YIIUI, lu~ttoon.', '~ll "lfln"!, IIp'"' Illlllld, tU.'lly 01 ronlllllcllO/l, IImoll,tlnl'.UIIIOI\I, .It.: --
The _j.mpl:OvementD _ are _1n _good. condi tion ~ w1th _no ._phYD lea 1_ o!:'.J\lnQtlon.l~,l.mldeq\J.clell._ IIppa rent .___~
--
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Immltt"I. VIC1~ltr 01 lU lublltl prapllly tfo~advurao_onv1ronmental_ condltlonD._aro_.pparont/diacloDed'm.. _ ..._
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Summary Appraisal naport
C.IO .:
V.hl.llon Inll'ln UNIFORM RESIDENTIAL APPRAISAL REPORT FII. No. .....-.........
11111olAUOIIIIYAlU( .., ....... ". "'" .... _40.000___ Comlll,nl. 011 COil ApprUtll IIUtll II, IOIIIU 01 COil ,.llmll.,
lIlIMAffORI'ROOUC110HCOIT.Jt(WOfIY'llovrf,lnlll III. .,Iv.. .'11'" 1001 calculllloll, In' lor IIUO, VA In, 'milA, IJI.
5 DoailH1l1 _2.'3:L SI 'Ial _ss.oo_.s ~_~13P,31'_ "1111'.1.' Ifm.I.....,' teono/rlle ~l. at In, p"pt'!)'1 Ca8t_ne"_
, nllanwnLl,254 U flDI -10.00_. ______.12,540. _ trom,.H.nhlll-B)fUt_VlluIUon_S."lc._~
I rJ..sp18co/uUo/ro.ch__. __~_6.000_ .lIln<lbook_sncLlocll_cost_snslys1s.Llnd .---
Gm,I1C.lpo,1 _483 i, flOS -16.00_. _____7,.72B . vllue-lEom.Haa:k.lt_Dlta--.COIlFldlon.____
lotll (lUmll.. COil NlJr .... _~,~165, :i83_ . D'pf.cl.t1on.b...d_cn_.g._~lt._obIlQl'V.d_
leu 1.2' Pn,llt,J hnctlon,l hlllnlt ~ condltion_lncl_Harket _Data_Andy.la. ____
D'PIUllllOll _2,.00d_.~__.___l_.___.._ .__ -I _____. 2,.000_ _Eot1mated.~l\emalnlng_lconom1c..Llt'a .55 .to ..
D.prut.I,'V.I.,.01 Impllrr.m,nll .1 ~._163.:583_ _60 y.IE'D.________.__._____.__
',lI-II'V.lu.OIIIl.lmplcrr,m,nll -I _ 4.000 __._______________________.__.~_._
IIlDlCAUD VltUf If COli A""OAC'".. ~~n'.j . .:n'n,' _I .~. -~noj: ~R~--
lTfY SU~J(C, CO"'!AIIAII~( ~o I CQUPARABIf ~O.l COY,,,,"AllffIO J _
21 Derbyahire Drive 21 Cerbyshire Drive 551 Derbyshire Drive 56 Derbyahire Drive
,lWIII CIJ:'llD1 .Cldblo Cu'lhl Clrl1l1a.
',ollmtlylolubj,cl - -Dml_Dtnqt DamG-.atnqt a.rnILJlt.J:'.~~ ~
_.!'!!!E!!--_. '-__H/l1. .1.1 203..~00 !J 232..000 j li8.800
,nUIG,ouUv.Aru_ ~ II! L--1iI0..:5zJMii~ft;'- 1--..11.93 riiTi'!.DO L--11i1.20J)r
Dlu.n''''r lnllpectlon Courthouse Recorda CourthoulI. Recorda Courthoua. Recorda
!'rlllUllOfIlourcu
. ~IUfAOJUI'UENTI OI5CIIIPIION DISCIIIP'IOH 'U!~I_~ OUiCIIIP'ION ....!.1!!.&!,....... onClItPHON _~~J~~~!I"'''l
~::.:::::"'" ..... ~::io~onv I ~~~~3;onv T ~~l.~~.5lconv i
0"'" ...mm, a.ill 6120/JlL-..f 6/.l3lS6 2 'lJ .S5__!
101:11101I ^ve~lg. AYling' Avenga I AY.E'.gll--1~___
llau/lol''''"lUnp1t rail S1nFla _ I'tllI_S.1..rr1'111_11 rall_S1.rrpltl-!___ .r.a_S1nFlo----i__.__._
Ill. AvangB_ AVllngtl_. AvangB----1 AVllnga--4___
v". J\OsdlGol~. l\e.d/jioU~.1 l\O.dIGoU~.1 . ;;I\OSdlGolLC'!__,
DtlIOlUnU_.I 2J1ton'/.aoQd2..JJtol:'y/.Goo~: .2Jtol:'Y/.GQocll _Stoa:ylGood:
Qull1NDIConslruCllDn laY.ngelGoo~ Ayenga/.Goodt Aveng./Good ~v.ng.lGoodl
~ .li' ..3-X"eln_ .2JIII:'D: N.... I -1,.000 ~Jeln :
CO"".. .Goo~ Goo~~ iGoo\l. I .GoO\! :
,lbov.Old. 1~11 I ""1 I "'I 11111: ..... till'" IJIII 1 lie.., 1 ...., . 111I1 I ""I I "III t
I '''''''''''' 11---J..L-LJ.L_'LL3.J.2.~J +2,000 _SJ_LU---l +l,0001_lJ...J.2.LJ +2,000
OlOuUv\n'Aru 2,.533 fiG fl. .2,.248 s. FIl--tJ..100 .2,..9.lL-.!!2Lf-=-11,J.00 2~10-!!lL~___
lu,m.nU fltll,1II11 Partial Damt Full Damt I Full Dsmt I Full Damt I
''''''.....0.... l1nCJ.nhhod_ .lInUnhhsd I UnCl.nhh~A I ;'nCJ.nhhod I
funcllOllllUl1H Aver:aOIl- AVonge t AVDnge t .AVIJ;IOll-i
""""~-I Gll1Ilcr. GII1I/CA-, .Gll1Ilcr.~ .GII1I/.c.L.-i-_
f (nurrHIlCllnll!lml .1'yplcl1- .1'yplcl1---! .Typlcl1--' !lyp.iCll I
.M!!.i!a'PtlI1 2-CIJ;_Glnga 2-CI~Glra'illll .2-CIJ;_GIJ;lgal__ .2....cILG.l:'lga~___
'olcll, PIIID.DIt~, PorCh/Patio Porch/Patio I Porch/Deck I Porch/Deck :
Flllpl.calll,tlt. .LFlroplacfL .1_FhBpbca ' l_riropllctI ' .1...r.iEIIPlactl ;
fm',PDOI,'1C "onCll__ In'il(d.__fOol+~5,OOO .None I None. i
.~!L~!Lllallll Ii] . CEJs~___41100 .Ll.!-l.xl:..lS: -.1.1,.100 . Il.:~ 2._000.
"Jullllll.ltIPIICI '. Groaa 6;9\J Groee 506'1 Grolu,.1.0'1
nlComparlbll Nat.:.-2..Jt'. L-2Q1.,.600 Mmt . "8" L-.22.0,.JOn ;;t!,<'1.~n. II 2QQ,.8.oo.
Cnmm.nl' 0tI 11111 CDml'IrIIOn (l~clU'lng In, tubJ'tl propel!y'1 compatibility 10 Iht n,l;hbtJrlloo', .lc.l: SubjICULCO~lt1bltLHltll
nllgl\boJ;hood...pcopu'tlall 0-9 Ilul_CoJrlPlr1aon_AnalYDla_ohoHILI-YaluIIJln'ilIl-O'c_'a.O 1, I100_to_____
U21,.oOO.. ___
-;'''~P";:I,~",,. 9/9~~!lf!~=_ H/A ~CQ.,,~~~'"'-"."'C -=/:/A .".""'['"0.'--':: H/A ...f"'''!'_I!!!IL~QcJ==
SOIlI", lot pllor Ulll $32,000 Lot CourthouDB Recorde Courthouae Recorda Courthouoe Recorda
'IIIlhlnflllol'p!!!!!!U.cIlR. ------ -~
Mlrylll 01 .n, Clllllhl.orumtnt nlSlI., opllon, 01 IllIlng ollnt I~biltl ploperty .n, anllysll Dt IrI'f prlOI filII 01 lubIICI.n, complllb1u wllhln on. ~ur olthl dll' 01 'JlPIIIIlI
ttO_P.dO.L'--DllI1ILw1thin~p'Dt_YB"r.~_~..___..~ _. _m - ~
-- ----------.-------
IHOIUHO VALUf I' UUS COM'ARISON A"ROACH I -207 DDO
_ INOltATlO VALUf If INCOMf A"ROAell III AlIlIllml~i htlm.l.d "i.rkll nl~i i ' .......... .;ji~.. iW~' ~'Q;O.I.I'R~~I'M~U~~~'.'..' ~;i:;'.' , . , ' :. ~~-~
'1II1'l'p"lnlll m... Lx) 'ulI' LJ __ l~bj.cIIOlhtllp.jll.'Il"'llonl, InspacllOn' Dr condlllOnlllll.' bllow LJ I~bj'cllo tOmpl.llDnpar pl.nl.nlllp.clllt.llonl
CDh'111OII1 01 Apprlltll: .'1'hG.prope,ty _hna_beon_IIPPl'llIIed...ln_cul:l:onLcondltion.a-%h1a_'FPJ:ll.I.LJ.a_lol;__
cl1ant!.D~nly f _nontunatauble._Seu_ftttftChod._ftddendum. _S\.lm1laJ;y_^ppJ:'ftl.I:LRtP:o"'-____._
'1hItll.conCll(lllOn: Coot _Ind.. Ha~kut_AnalYD 11_conD1atllnt1Y_D\SPP:0rt.JnY_tlDt1matlt1..ma~k.t_Yll\ta o-GRH__
MI1YI1a_ WID _t'o\lnd..J.nlpp~opr1atu_t'oLth1a _"nelya!o, _GnltoDt_we1'ilhtJa_IPPUed_to._ thll_ Harkat__
Dlt.....An.lyl1a.._S\lpportJ.ng_t'J.la~J.nt'ormatlon_aubDt.ntlltaD _thtlDII_IIot1matlll .~
ltot PUIPOII 01 11111 Ipprlllll II 10 II1lm.lt lh. mll~U ~llu. ollh, 1111 proPllly 1/1'1 I' Iht lublul ollhll llporl, bU" onlh. 'bov' con"honl .n, III. UIIIIIUllon, cDnlln;.n!
In' IImlllng CDl'l.ltlDl\l, In, mllul ~"u' ,.llnlllon 111'1'" II,t.d III t~, .1IIch., fUddl' M.t fOlm 'J9If,nnl. UII FOlm 10040 CR.vllI' 6/~3-_1
I lWEI UTlMAn 'HE MARKO VAlUE, AI DTFlN(O, OF 'II( nUL '"O'lRn TltAT II tilE IUIJEtf Of nl~1 OF It.Ug\llt_21,_1996__
(WHICH IS TIll OAlt OF INlPlClIDN AND TIn IfneTlVE OAn OF TIll. "1'0"11 '0 _207,.000_11 ;;::.J-I
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.11.
IInlt'
7.IR..1:.I.de 17013
Thc "uhlel"1 i" 11Il',IICll In ,I 1IlI,II.lh',. ;....II..ll,.... 111.11I ,'.'\'f hllilllll" Thl.. t'llllllllluII i..I)'llil',11 ,11111 ~'1I1l11l1ll11
lut Ihc IUCIl ilmIIUH';S NOT illlcl'llth' lllill~l'I ",llul' III IUllIrt.' lIlilll.elllhllh)' llf Ilu,' ~llhjccl,
(;lInlnu.'rdlll/lllthl..ltiillll"l'.. ;Ill' ImUll',1 wllhlllllll' ..UhjCl'I'" IIcluhhnrhllllll. The"c ""c~ IlIe I)'flll'allll ",imll,1I
nelghtlllfhlllltl'l 111111 un NOT ,dlnl IlIl' l1\ill h'l ",lIuc III lulUfe lllllrl.elllhllll)' Il( Ihc ~lIhjl'cl IHullcn)',
VIICllnlllllllllndl'\dlllll,.llumlu"l'" ,Ih' IlIr,II~'ll \,i1hlu Ihl' ..uhjel'l\ ncillhhmhullIl, The"e lI"'e" arc 1)'llil'allur
Ihl' IlIcllllntl un NUT Ilfll'fl Ihe 1Il1l1l....1 \'Ullle m IlIlUh.' lII11r!.;elnhlllly u( Ihe Mlhjecl properlY,
The 11IcIlumlnltnl \-ilhll' illlth' IIdghhlllhllml i, Ic" II1Illllhlll fI( Ihe lI1ar~cl \',III1L' uf Ihe \Uhj"'CII'Hllll'II),
Thi" h IllIe hllhe \'l'I)' wiltc IillllW III \illll'" III IHlIJll'r1le" In Ihe IIrellnllll Mll'crlm cllIulily Ill' Ihe louhjccl
plllpcrl)', Thl" ctlnllllllln UUt:S NOT ilHel'llhl' lIuu!.:cl vullle nf the "lhJecl m I.. (ulllre murLcluhllil)',
The flilllhjecl plll'I...r1)' 1\ Im'llle,llu II F,E,M,A Illenllnl't1 HUIII Znne, Thl~ cunllhlun Unt:s NUT IIff"'l'llhe
markel \'ltlll'" UI fUllIre Illirr1clilhllll)' III' lhl' \Uh)ecl .....hen rrumlln!llllllllCe cU\'cruge I. rCCjulred, FllIIlI!
In:.urllnrc h. louggc"lell,
Dampncli\ I" nUlellln Ihe hll~elllclllllr Ihe \Uhjel'l. Thi1'l'unlllllCln is conliillerellI)'plculIn tlwelling\ ur Ihlll
'1)'lc und onES NOT ul'feCllI1ilf1cl \'lIlm' IIr Ihe rUlllrl' 1I1l1l!.;elllhlllty u( Ihe Mlhjecl, Slunlling nr rllnninlt
Wlllcr wu,," nnt prc.'\I.'IIII111 hil\ellll'nl nOUl,
The ."hjeel plllpcrl)' IfIiI "1,l1\-il'c,1 It)' Ilfh'.llc wcll _ lInll !roeplie _ ~)'!Ih:mi which Is rUlIlnllln fur Ihe IlrCil,
Thi!'lllne5 nul llrrcCI mllrl.cl Villtl'" fIf rUIllft-' mllf~elllhllil)',
The lIuhjccl jl. ulllellhll" rht' )'ca".. AlIlIlcdllrnlt-lll ")'''Il'm\ Indulllng the hcuIllIg. c1eclrlcullllHl fllumhing
l\)'Mem\ IIPllear UpOllll \'j"llilll'l.leriflf irl\lll'l'lilllllll hc In wfIf!';ing IIlller, Nfl warranlle" arc Implied In Ihl,
.Inlemcnl,
Replllr Ilern!'l W,,'Il' nUlcd in Ihc c.:UlIllllellh ..ecllun ur Ihe rcpUlt, ThcM! commenb un rcpalr lIemllllre (ur
lIc!lcripth'c purflll"c" unl)' 111111 me llul rCllulrcd rCllilir!l, The rcpnlr Item" lI~ted arc cmmcliC' lll1d DO NOT
affecllhe murkel \',lIuc nr rUIlIr,,' mill~clilhilil)' ur Ihc "uhjecl properl)',
Thl.! hll"l.'menl nom I" II din flllllr, ThiHlllulilllllll\ CIlIllIIIIIIl illllll),llicl.l1 (ur Ihe ;lIclllln,1 nnES NOT aO..."1
the mur!.;cl \'ulllc III rlllllrc 1lI1111clilhilll)' III' Ihe ..uhjecl, Thc IHl'!'Ience O( It dlrl flnur Unf:S NOT IHl"C il
hclthh or MI(el)' 11ll/lIul,
The Auhjcrl prnllCrl)' due.. l'ulIlllin rlllll'lll1nlll uh\ulc!lcence liS nnlcd In the repnll, TIlis conditiun I~
consldcred c:ummlln IInd 1)'Ili,'ul (ur IhL' nci~hhnrhClCld :Inll onES NOT u((cclthe murkel \'ullle or hllurc
mltrkclnhllily nr Ihe ltiUhjecl,
The Iflnd \'lIllIe CJtl'CL'II~ .lWi !If 1111111 \'lllul' ,IIII.' III Ihe high dCl1lnntl (or \'lIcanlland in Ih!!, ncighhorhUlHJ.
Thill, conditiun I... cun"hlelL'11 cnl1lmllllllnlll)'Jlicul (ur Ihe nclghhnrhond und OOES NOT Ilffccllhe mllr!.:cl
vulllc ur humc fl1l1rhlllhillly III' Ihl' \lIhjcrl,
The lund vulue cJtI'l.'ed" :tll'f. ur lul,,1 \'11111"', Thi~ 1\ lllle In Ihe IlIrge libe n( the f1ite, Thla, cnndillnn i~
cnnlildercd III he 1),lliclllllllll ClIlllllllllI IUIlI IHIES NOT IIrreCI the mllrlecl \'111111: ur (uture nuukelnhilit)' uf
Ihe fluhjecl,
Indl\'1Iluul udju..lmenl'" wcre rClluirelllhlllexl:ccll I~~f" The",e udju:'ilmenb were reqlllrell due In Iud u(
mure ltiimlllu CUl1lllllfllhle~ 1I11lhilllnlli\'illllul rilling, Alllhrcc cnmpllrllhlc5 (He Ihe DEST A\'AILADLfo:,
TIIIIlI ulljllMrnenh I.'lricccll :!~'I, Thill i.. dlle III Ihe lack u( cnmpnrnhle I'onle5 Ihnl Were more ltilmililf in Ihe
511hject'lti mllr!.;,'tllfell, Alllhll'c l'lI111Pillllhlcll i1rc Ihe nEST AVAII.AIII.E,
One III lllUre clIlllparahle "ilh:~ Ill..' nl-It,'r 111iI1I \1\; llllllllhll, 1\1lhulIUh Iherl'llIe ClIlll'liIrllhlc prull\'rli",lti IlIlhL'
ltillhjel'I'~ IIrCIl, NllnL' hil\'L' ~1I1i1 re"L'ull)'; IhL'rl'llIl"', ....Il'!I111 cxcc".. IIf ltih mllnlh~ hllVC In hc 11.'\""1. AlIlhfl'L'
CtlnlllUrllhle!'lllwtl Wl'rc IhL' IIt:ST ,\\',\II.AUI.fo:,
One nr mUle cumpllrllhle... lI"cd wcrl.' In CXl''''''~ III' IInc mill' frum Mlhjecl properly, AllhuUNh Ihere 11IC
cumpllrllhle IHfljlcrllc" in IIIl' illlll1ellilllL' IIfl'II, nunc hll\'e ",uM reccnll)', Therefore, it WAS ncccuur)' In lac
cnmllilrahle IIl1lclllllll"ltlc ur Ihc 11IIllIL'llilll"'llreu, ^II eClllllliullhlc~ u5ell llle locllled In ,lmUur nelghhmhllllll..
and within the !Iallle II\lIrkelill~ ,HCll, ^lIlhrcc l'UlIl'IlHnhlc.. tI!lcll Were Ihe n":ST AVAII.AIII.":,
The c1eclricul "Ylllem \Vii!! 111I1 CflunL'l'lcl1 during III"fle(llon,
The wlllcr "er\'icL' WU\ nfll wlIlll'clellllllllng III"Ipecllol1,
The hcnling !'l)'\lem Wit\ lIhUI 111I\\'n eluting 11I",IC('lllIn,
Ruurlng _ 1'llIlIIhln" _ (:'c"lrll'lll_ IlculillU _ ccrlHlcallun b !lugge5lcd,
'ngrullnd ~willIlllinlt pUll I _, 11111 hulldilllt\ _' Indudcll _' nlll inclllded _' lll:cmdlng III lendl.'r"
guideline,",
Accnrlling In lellder" guiell'line.., if lIlil\illlUnlul' _ iIl'rc!I were clln!!idcfed rllllhir. \'ulnullnll, ItCl1Iillnlll~
IlcrclIge WII!! gh'clI nil \'Uhl"',
The ..uhjecIllfllperl)' i\ IfIl'illl'd Jln il prh'llIe rmul.
Wnnd InfcUlllillll in\lleellllll I.. \Ulttte,ll'll.
I.u..' fCCUhlell dcetllriln..rcf: nult" , L'ulI"'drrnUan: S :',,' ,
IJW111I,"cII cnn!llrlll'lllIn/lcllllvillllln III iU'l'U1tlllllL',,'llIl'hlP"llllll !Ipeclrlcullnn~ In he tlln1J111.'lclllnll wIII~miln"
lac mlloner,
Seller I~ 11II)'llIg pllrlllllrllur c1u\in.t ,'11..1\, Thi\ nn..:s NOT aflccllhe lIIarLcl vlIlue nr (IIIUIC IllIU~clahilll)'
u( "'lhjecl,
All CIII11III1"lhlc !Ii1le" Me wtlri,'t! dll'",t1 ",tic",
Therc IHe UCI !IIICdnlt'lIllllillllll'llll ullll'r IC1luirelllenh Ihlll wlluld i1rrerllllilrkcl v;llllL'm ftllllfe Illilr~l'lilhilil)'
in I1li~ AI"IHlI!l1l1 RCllllfl,
Olllel: ___~__~_ __'u_
I, /".
-"o-/~-e..( .
Allltrlll!ll'r
__S-cvJ IL 1[_::
Hetl.:", AJlprlllnr
APPRAISAL REVIEW
In .etord,nu wilb lh. Uniform &I.nduds ot Pfolmion,l APPlIlul Plltll", I .ubmil Ih. 'ollowlng .ppfaiul Ani.. of Ih.
,Untl.d Unilorm ",,'d,nll,1 "JllIlIlul IIpOl1 plrplltd by DIANI 011.1.
datld ...A~SI~~~_.2~.,_~~.?~___ tn....rlng III, J1'opt~"ic:i"I'd '1-ij'- ~.~!bY!hl!:~ Driv_.
~~tl_!,l~,JI\ ________.
a...d IJpon my IIvl.w, I d,d,":
(I) ThI ploptrly Yl'hith l'lh, ,ub/nl 011111'"'11.. II lull., dUUlb.d In Ih. .lIuhrd Unllolm n..ldIRII.1 "PJI'Si'" R.port.
m 'h, ,lIuh.d 'PJlIIIUII. compl". .nd .CCUI.I. pUI'u.nl 10lh, II.ndlldl III fOllh lrt Ih. Uniform SI,nd',d. of
P,ollulon.IApPI.luIPlItll",
(31 Th. dll..oo Ih, .djullm.nlllo IhI d.,. I" Iht .Ulth,d 'PPlllul,".d'lIu.I,.nd !t1.Vlnl;
(4) Th..pp,.lulm.lhodl.ndltthnlqulluudlnlh..lllthld.pp,.lul.IIIPNOprl.l.;."d
(51 lh. IRlfy.II,opinlonl,.ndcontlullonllnlhl Illlthld IPPlliu111l IPPloprllll.ndr..,on.bl"
CERTIFICATION
Bntdupon 11'11 101l0oing, I nrlify ll'llt, 10 11'11 bnlolmy.nowl.dgl udblll.1 :
(1) TI'II 'ull.nd d.I.llporl.d by m..nd uudln 11'1, revl,. proteSll" 1I1/IInd CDU.tl;
(2) TI'I. .n.lylll, opinlonl, .nd tontlullonl In Ih. IIvllW llport II. IImlt,d anI)' by Ih. IIII/mpllonl .nd limIting
tondllionl 11.I,d In Ihil IIvl,." llport, Ind '" my plllon.l, I/ntll.lld plol,ulon.' In.,...II, oplnlonllnd
tontlulionl.
II)
I hlVI no pr..,nl Of prolpttlivl Inlllnlln Ii'll PlOPS'''' Ihll II Ih. lublett 01 Ihll llpoll Ind I h'vI nO pmon.1
Inlllnl or bill wllh ruptc:llolh,plIllulllVotv.d
(~)
M1 tOmpsnllllon II nol CDnllnglnl on Inyltllon or IVlnt ruultlno horn Ih. Inllyl'l, oplnlonl, or tontluslonl
In,OflhIUltol,lhllflVII."lIport;
(5)
My In.IyIII, oplnlonl, Ind tontlullonl WIll d,vlloptd Ind Ihi, flvi.w llpoll WII pr'pllld In conformity
wllh III' Unllarm !I.ndlrd, ollh. Prolmlonal ",PPlllul PlltllC:lI;
(61
171
(I)
l-.di.d_ psllon.IIy Inlpttllhl.l/bjetl p,operlY 011111 repolI I/ndtlllvl.w;
No onl plovld.d lignllleanl p,olullonll.nlllln" 10 m. In my Iuntllan "llIvl.w 'ppIIIII';
I mllty11111,10 ll'l,but01 my lnOwlldglIndbtU,', 1111 "porl.d Inltyll., oplnlon'lndc:ondl/.lon'WllldlVllopsd,lnd
IlIis llvil." 1111 bun pllpllld. In tonlarmity wilh thl IIquillm,nl. 01 Ihl Cod. 01 P'olullon1l [IMCllnd !I.ndlldl olltls
P,ol"lloolI "pprllul Plltllu ollhl Appulul Inllllull.
('1
I Willy Ihlt Ihl 1/11 ollhl. IIvil." I, lubjttllO Ih. IIqlllument. ollh, "pplllsal Inllilull 1I1111no to IIvll." by III duty
lulhorludllPllunlUivll,
(101
A. ollh. d.,. ollhl. IIVI,w,I, Ih. undtlllgn.d IIvi'WII, have compl.l.d Ihlllql/lllm.nll ollh, tanllnulng
tdutallon plogllm 01 Ih, ~pplllulln'lIlul.. --..-- - ---
6ignllulI: 0-- .:-..c:_.t-J
'''ml __@,!,~81f H. DA~!!rn,J!.~I~B~~
Oil, Slgnld: _~~g~~2.!,~!!..________..
!III'Carlllitallonl: -.Q.~~~~~?.B..~ S~~L...!~_
or Sill. L1t1n.. I: RD..[i26~~!.:...A____JH!~JL
Erplrltlon 011. ot Canlliulion or L1ttn..: 6/30[97
....,........III..II(n 11l"f11It't
DEFINITION OF MARKET VALUE: TtI. mall plab.bla pllc. whl,h. plap'll, Ihauld btlnoln a eomp.IiUv, and
c.pan m,'hl undu, an condillonl 'aqullita 10 . lair ..la, Ihe boral and IOUa" oach acllno plud.nll,. knowlldg..bl,
and auumlno Ihl plln II nol a".,tod b, undue IUmulul Implicll In Ihll dallnlllan II Ih. conlummallon 01 . ..t.
.. 01 a Ipatllied d.'e and th. p"llng 011111. hom 18110' 10 burol undor condlllanl wh'feb,: (11 bur" and ullol
al' trplnll, mollvalld; (2) bolh parllo, 110 wolllnlolmod 01 wall .dVll0d, and ..th aclino In wh.1 h. conlid"l hll
own bOil Inlaloll; 131 a rOllon.blo limo II allowed lot O.polule In Ihe open marht; 141 plrment II m.de In Ilrml
01 cllh In U S, dolll" or In I.,ml 01 linanei., l"anOlmanll comparablo Ihalolo; .nd 151 Ih, prlc. flpIII.n'l Iho
norm.1 conlld".lIon lor Iho propally aold un.lIotl.d by Ipaci.1 01 Cfanlivo !lnanclno or ..I" conc...lon,' granled
b, anrono .notl.lod wllh Iho ulo
'Adjullmanlllo Iho 'ompalablal mUll lIu modo 101lpoelal 01 cloalivo linanclnll or ulltl conn..lonl No ad,u,lmonll
.,. nu....'y lor Ihol. co,11 which .,0 nOlm.lI, flald by 101I1t1l al . 'nlull 01 lradlllon or Ilw In . m'IIIoI alU,
Ihalo cOlli .,0 fo.dll, Idontili.bla ,Inca Iho lallor p'rl IholG cOlli In ...iIlU.llr IU ulel lran..clionl. Bpltlll at
crullvo IIn.neing Idlullmonll can bo mado 10 Iho comparablo plopon)' b, comparllonl 10 fln.nting 101m a olllled
b, . Ihlld parly lnlll!Ullonll londur thaI II nol 11Ioad, Involved In Iho plOpellr 01 Illn..ellon, Any adlullmlnl
Ihould nol bo t.lculaled on . mochlnlt.1 dollar 101 dollar cOil 01 Ihll llnantlng or conteulonl but Ih. dollar
Imount 01 anr ad/ullmanl ,hould appro.lmal_ Iho ma,hl'l ro.tllan 10 Iho linancing or coneoulonl bllad on Iho
appl.llar'lJudgmunl
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: Tho eppr.II"', callilicllion Ihll appe.raln tho .pprallll rlpon
Illubleclla Ih.,allowlng condlllonl:
t. The appral"t will nol bo IOlponliblo 101 mallOIl 01 I 1001' nlllu,p Ihot allocl eUhor Iho PlopOtly bolng Ipplllaed
Of Iho 111I, 10 II. The 'ppfllaal luumOI Ihal Ihe ullo II oood and melllolabl. Ind, IholOloll. will nol ronder ony
oplnlonl Iboullholille. Tho plopell, II apprallod on Iha balll 01 II boing undor rOlponlible ownllrahlp.
2, Tho appIII"r hll provided I IlIulch In tho IIpprllullopolt 10 show appro.lmlll dimonllonl 01 thl Improvemlnll
Ind Ihe Ihlth II Included onlr 10 .,,111 Iho roadar of Iho ropoll In ...1,uaUllng Ihe propolly Ind undolltanding Iho
appraisel'l dalolmlnlUon of ill Il'a.
3, The Ipprallor hili o.omlnad Iho avall.ble flood mlpl Ih.1 110 provided by lho Foder.1 Emergency M.nlgemenl
Aoone)' (or olhll d.la loureol' and h'l nolod In Ihe appralul "porl whelhor Ihl lubllCI 1110 fl loellod In In
Idonllllod Spacl.1 Flood "auld Aro.. Doclusa Ihe apprallor II nol a ,ulveror, ho or Ihe mekol no Ou".nleol,
o'p"" or Impllod, ,agarding Ihil dOlormln.lian.
4, Tho .ppralser will nol glvo IOlllmony or appalt In eoult baclutl ho or Ihe midi .n 'PPIIIIII 01 Iho property In
quelllan, untl" Ipotllic arronoamonll to do 10 hlvD boon mode belorohand.
5, The Ipprellet hili olUmllad Iho ...aluo 01 Iho land In Ih. COil approach II III hlghelt .nd boll UIO .nd tho
Improvementl II Iholr eonUlbulolY value, The lop"ale ....Iu.lionl 01 Ihe Ilnd .nd lmprovemenll mUll nol bo
uud In conjunclion wllh IIn)' olhar apprallal end oro Invalid illhoy 11I0 ,a ulod
6. Th. ,ppllll8f hili nolod In Ihe .pprol..1 rapon In, .dvolaa condillon, Cluch II, needed tlp.III, deprecllUon, the
prallnco 01 hlllrdou, wlltOI, lode ,ublllntOI, Olc,) oblotvod dUllng Iho InlpocUon 01 Iha aubloel plop.tly or Ihat
ho Of Ihe becamo awaro 01 during Iho nOlmal 1010arch Involvod III perlormlng Ihe Ipprei..1. UnIon olhotwlla It.lod
In Iho Ipplallal lupOll, tho appflilar hal no knowledgo 01 any hlddan or unapperonl condWon. 01 Iho propolly or
.dvoue anvlronmonl.1 cond.Uonl Ilneluding Iha plaunco 01 hlllldau, WIII8I, lode lublllnte., ole.) th.1 would
make 'hi ploperl; mOlo Of leu valuablo, and hn I..umed Ihat Iholo ere no luch condillonl .nd mlk.. no
guaranleOI or WI"anliol, alplo" or Impllod, roglldmg Iha condllion 01 tho ploporly, The Ippralsor will nol ba
letpOnllblD 101 any luth condillonl Ihol do 0.111 01 lor anr onglnooling or lOlling Ihal might bo roqulred 10 dilcovor
whDlhar lueh cond.llonl .lllt, Docaulo Iho apPflllll1 II nol an e.port In tho Uald 01 onvlronmonlal hazard I, Iho
Ipprll..1 raport mull not bo conlldolod al An onvlronmonlalUlDumonl of tho propelly.
7, The Ipprlllor oblalnod Iho Inlolm.llon, olUmalol, and opinion I that wore o.prouad In Ihe appralul ropolllrom
10Uteal Ih.1 ho Ot Iha conlldan 10 bo ,ollablo IlInd boUaval Ihom 10 bo Ilua and corrocl. The Ipprallor dODl not
auumo losponslbllilY lor tho acculacy 01 luth Ilomllhal woro lulnllhod b, olhor PllltllOI.
8, The .ppral.., wJIl not dlltloso Iho tonlonll 01 Iho DPplal101 ropoll oltopl al p,ovldod lor In Iho Unilorm
Slandardl 01 Ploluulonal Appraisal Pracllco.
9. The apprall.r hal bllod hll or hor appraisal ropoll and ...alu'lion conclullon lor an apJlI81.., Ihal I, lubjecl 10
laUllaclot)' complullon. lopoln, or nllal'll/onl on Ihu ouumptian Ihal complallon 01 Iho Improvemonll will bo
pOllormad In a wOlllmanhko mannol
10. Tho .pprallor mull provldo hll or har pllor wlillan conlanl bololo Iho lendar/cllonl Ipocilled In tho .ppraiul
roport cln d.llribulo Iho aflPloll.1 ropoll (Including conclullonl "boul Iho proparty ....,uo, Iho applallol" IdanUI;
Ind PIQllIUlanal dOSlgnallonl, and 1010fOntol to anr proloulonal opprol,"' olganllallon' 01 Iha hrm wllh whlth Iho
apprallor II auoci.lcd) 10 on)'one olhor Ihln Ihu botlowol; tho mOllgagoo 0' ill IUCCOUOII and ...Ionl; Iho mOllgage
Inlulof; conlullanll; plolonlonal applalul organlZAtionl; nny Ilalo 0' lodolallr apptovad linanclnl lnllilullon; 01 ony
doperlmonl, agoncy, or In,lrumonlnllly 01 Iho Unltad 9111101 01 any Ilalo 01 Ihe Olllllct 01 Columbia; olcopl Ihll
Ihl londer/clionl mar dlllrlbula Iho propollr dOlerlpllon lutlion 01 Iha ropoll onlr 10 dala collecllon or IOporling
10r...lclI(l) wllhoul hIving to oblain 1M Ipprallol'l prlo' WIllian canlonl. Tho applalul'l wrlllon conllnl Ind
.pprovl' mUll 1110 bo oblolnod bllloro Iho npprnlul can bo convarod by anrona 10 Iho public thlough IIdvollillng,
public ,ollllonl, nowI, 10101, 01 olhllr modia
fllddltM"formUG6.!l1
r.lgelol2
hnnitMnfoJm 100~B 6.g]
.
'llfHo "-0124
kPPRAIBER'S CERTIFICATION: Th. Appr.luturlllloa and .gru'III.,
I. I h.v. '....fch.d Ih, ,ubJOCI m"~DI ".0 and h.vo IGloctot.! . minImum 01 It..,., r.c.nl ..I.. at plop.,ll" mOil
,Imll., and prollm.l. 10 Ih, IUbj'CI propotlr lot c:onlldtr.llon In Iha ul.1 comp.rllon .nll,111 and hn. m,d, I
doll., .djullmlnl wh.n appropriate 10 toll.el Ih, mll~'t ,..cllon 10 Iho.. lI.m. 01 IlgnlllClnl Vltl.lIon, It .
,Ignllle.nl lIem In I comp.r.bl. pfopollr II .up.rlot 10, or more Inor.bl. Ih.n, Ih, lubJ.ct prop.rlr, I "IV. m.d,
I n.g'lln ,dIUltm.nIIG "duel Ih. .dJusted ut.. prle. of Ih, comp".blo .nd, II . .lgnlllcanlll.m In a comp.flbl.
prop"'r I. Inll,iol 10, or I... ',vollblo Ih,," lho ,ubjetl propollr. I hl\'o mado I po,llIve adJuUrn.nl to Incre... Iho
.dlual.d ..loa JlIlc. ollhe comp.r.blo
2. I hn. I....n Inlo conaldoralion Ihe la"olS Ihal have an Impacl on valuo In m, dev.lopm.nl 01 Ih. .sllmll. 01
mar"'1 v.lu. In Ih. .ppr.ls.1 reporl- I hlv' nol IIno.lngl, wl1hhald .n, slgnlllclnl Inlorm.tlo" Itom Ihl .pptlla.1
raport .nd I b.llov., 10 Iho baa' 01 m, IInowlodgo. Ih.1 at' 11.lomonll and Inlormlllon In Ih. .ppr.lsII "pori ar.
Iru. .ndCO".CI.
3. I .1.I.d In Ih. Ippr.lsal ropotl anI, m, own pOlSonal, unbl,"d. .nd prol."lonl' analy.la, opinions, .nd
conclusion., YlIhlch ato subjOCI only 10 Iho conlingenl end Iimlling condlllona apaClfled in Ihls lorm.
" I h.v. no pr.unl or ptlUp.CIIVl inlo",,1 In Ih. ploporly Ihal 'a Iho aubJocl 10 this ,opo,t, and I hn. no pr...nl
or prolp.cUVI p"sonll Inl"'11 or bill wilh ,.spoct 10 tho p.t1lclp.nls In Ih. 1t'l'IlacUon. I did nol b'll, Iilh.r
p"tI.lly or complolllly, my an.lyala andlor Ihll elUm.le 01 mar"'1 v.lu. In Ih. .ppral.., flpon on Ihl "ct, color,
r.Uglon, "., hlndieep, lamlllll SllluI, or nallon.1 011gln 01 .Ilh.r Ih. prolp.cuv. own.rl or occup.nll ollh. subltel
properly or ollho prannl ownol' or occupanll ollho propolllolln Iho vicinity of th.lub/act propony.
5. I h.vo no p"..nl or conlampllled lututa Inlolo.1 In Ihl aublect propeny, and n.Uhar my cu".nl or lulufI
employmonl nor my compon..llon for perlormlng Ihls .pprallllls conlingonl on th. .ppr.ll.d \'Ilu. 01 Ih. prop.ny.
S. I WII not raquired 10 flpon . pI.d.lormlnad valuo or direcUol'I In v.lu. Ih.1 laVOII Ih. c:.u.. 01 Ih. cll.nl or
.n, r.I'lad pllly, Ih. amounl 01 Iho valu. .l1lmalo, Ih. aUalnmanl of . Iptellic r"ulI, 01 Ih. oec:u".nco 01 a
sUb..qu.nl .Ylnl In ordor 10 reCelvo m, compenution .nd!or .mploymonl lor p.rlo,mlng Ih. .ppra'"1. I did nol
b.l. Ih. .pp"lul reporl on a .oqua"od minImum \/,Iulhon, a Ipaclhc \/,Iu'llon, Ot tho no.d 10 .pprovo a Ipoeilic
mortg.g. lOIn.
7. I p.rlormod Ihl. .ppralul In conformlly wllh Iho Unilorm 81.ndlld. 01 Prol...lonll Appral..1 P'lcll" Ihll WII.
adopled and promulgaled b~ tho Appraisal 81.ndllds Board 01 Th. Apprallll Foundallon and Ih.1 w"o In pl." ..
0' Ih. olleellv. date 0' Ihls apPIII..I, wllh Iho .."pllon 01 Iho depanur. provlllon 01 Iholl SI.ndlld., which do..
nol .ppl)'. I acknowl.dge Ihal an .lllm.lo 01 a ,.ason.blo limo 'or ..poluro In Ih. opon mllllel II a condillon In
Ih. d.lIn/tlon of marktl \/aluo and Iho olUmalo I devoloped .s conalllonl wllh lh. mark.llng 11m. noled In th.
nalghborhood ..clion ollhl. loporl, union I hn. olh.twll. Ilalod In Iho r.conc:iIl'llon ..cllon.
8. I h.vo porlonllly In,pocl.d Ih. Inlorlor .nd IIlorlor arOIl ollho lubloCl propotly Ind Ih. ..I.rlor 0' all prop'UIDI
""ad a. comp"ablu In Iho appralnl ropotl. 1 lurlher corllly Ih.1 I hlVI nolod .n, .ppa"n' or known adver..
cOndilJon. In Iho aub/ocl Improl/amOnll, on Iho lubloCI .It., or on any ,II. wllhln Ih. Imm.dlal. yfclnll~ 01 Ih_
lublllCI properly 01 which I .m ...ro Ind hll/e mada .djuslmenta lor tho.. .dv"s. condillons In my an",111 01
Ih. prope"y value 10 Iho olllnl th.t I had mar"ol ovldanco 10 suppotl Ihom. 1 hno .'10 comm'nlad aboul Ih.
e!locl of Iho .dva"o condlliona on Iho merhllblhly ollho subltcl propotly.
9. 1 penonally proparod 1111 conclullona and oplnlonl aboul Iho ,..1 ellalo Ihlt we,. ..I 'otlh In Ih. app"lul r.porl.
If I roliod on slgnllieanl prolonlonal anl"lnco ham .n~ Individual or Indlyfdu.11 In Ih. pllformlnc. 01 lh.
apprallll or Iho proparallon ollho .pprai,,1 roport, I havo nomad such Indiv!du.l(sl .nd diacloud Ih. apllcllia IlIk,
porlormod by thom In Iho raconclhlllion ucllon 01 Ihls .pp"t.., r.porl. 1 conUy Ihal .ny Individual so named Is
qu.hllld 10 p.rlorm Ih. lash. 1 h.vo nol aulhorllod Anyono 10 mlk. a chlngo 10 .ny lIem In Iho ,.port; Ihar.'o,o,
II an Unaulhorlrod ch.ng.ls madolo Iho approl.al ropon, I will tnko no rDlponllbllilY lor II.
SUPERVISOR Y APP RAISER'S CERTIFICA TJON:II Iluporvl.ory applllurr slgnod Ih, .ppttl..1 '.po'I, h. or sho
CDtlilIes .nd.grooa th.t: I dlrDclly lupotvl.. Iho "PP18110r who proparod Iho .ppralsal roporl, hno rel/lawld Iho .pprel..1
roporl, .grea .Ilh Iho "alomonls end conclUllonl ollho IIppr.llor, agloo 10 be bound by Ihl appral.or" c:e"lIleatlonl
numb,r.d 4 Ihrough 7 .bovo, and am 11I..lng lull ,oaponllbllily lor lho IIppraiaal "nd Iho .ppral..1 rDporl.
ADDRESS OF PROPERTY APPRAISED: .~7_!l.~l>Y.!h~rQ._!,~!-.!.
APPRAISER:
SUPERVI~RAISE~,.qUI"dl'
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